vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: MD

Complaint narrative:
I disputed a 30-day late payment for XX/XX/year>2024 on my XXXX XXXX XXXX account ( ending in XXXX ). Equifax responded in writing that the account was updated to reflect paid as agreed, with no late payments, and that the historical account information was modified accordingly. Despite this, the late payment is still showing on my credit report. 

This is a direct contradiction and demonstrates that either the update was never processed or Equifax is willfully allowing false information to remain on my report. This violates multiple sections of the Fair Credit Reporting Act, including 1681e ( b ), 1681i, and 1681s-2 ( b ). The continued false reporting has negatively impacted my credit profile and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
I am submitting this complaint regarding an inaccurate reporting of my child support account on my credit report. The account is being reported with late payments, which is incorrect.

I have been making my child support payments on time and in full as required. I have reviewed my payment history with the appropriate state agency, and there are no records showing that I was ever late. Despite this, the credit reporting agencies ( Experian, Equifax, and TransUnion ) are showing delinquencies that are not supported by any official records.

I have contacted the credit bureaus and the furnisher of the information ( child support enforcement agency or state department ), but the issue has not been resolved. I am requesting that the CFPB investigate this matter, have the inaccurate information removed or corrected, and ensure that my credit report reflects only accurate and verifiable data.

This incorrect reporting is negatively affecting my credit and causing unnecessary financial harm. I have attached supporting documentation, including my payment history and any correspondence I have had with the reporting agency. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: CO

Complaint narrative:
Called XX/XX/year>2025 to ask about the XXXX XXXX XXXX XXXX XXXX promotional XXXX $ cashback that I never received. I had initially searched around for the best credit cards that offer such rewards. I used XXXX a 3rd party site that directly links the banks promotional credit cards so people can apply directly without confusion. Problem is the representative/supervisor let me know that 3rd party links invalidates my claim and says it could have taken me to the wrong card. 

https : XXXX XXXX is the direct website for the card I applied for. 

https : XXXX XXXX is the XXXX website that lists links for the best cashback cards available. When you click on the link it takes you to the Capital One Savor website with no distinguishable difference. I applied for this card and received it. 

At no point was I ever told I applied for a different card. A bait and switch tactic was utilized by Capital One and it seems this is not the first time. You can find a class action lawsuit against Capitol one for the very same offenses. 
XXXX XXXX XXXXXXXX As well as multiple complaints about this very situation XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-19 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: MI

Complaint narrative:
XXXX see supporting documentation concerning Equifax data breach'

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 2025-06-19 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: MI

Complaint narrative:
XXXX see supporting documentation concerning Equifax data breach'

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 2025-06-19 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:
These inquiries are not familiar to me and appear to be unauthorized. Please take immediate steps to address this matter. Additional clarification is included in the attached documents.

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 2025-06-19 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: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-06-19 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: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Office of Brett M. Borland, P.C.
State: VA

Complaint narrative:
On XX/XX/year> and XX/XX/XXXX I have contacted National Credit System regarding a debt that I apparently owe. I was told that I would need to reach XXXX XXXX XXXX and XXXX. I have reached out to out to them multiple times to verify a debt they claim I owe. They denied my request for an Validation of debt letter and I am constantly being taunted and disrespected by the staff at the office. I have all of my calls recorded and no one will provide me with proof of this debt. The XXXX XXXX I reach out to is XXXX XXXX who apparently is the person over the debt that is supposed to be in my name. I am in urgent need of assistance to get to the bottom of this debt. 
This is the number to their office XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
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 ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: MD

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

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 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 2025-06-19 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: PA

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

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
I am filing this complaint to formally dispute several late payment entries reported by TransUnion on my credit file, all of which are either unverifiable or inaccurate and causing unjust harm to my credit profile. The accounts in question include XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) with a reported late payment dated XX/XX/XXXX and a past due balance of {$0.00} ; XXXX  XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX with a late payment listed on XX/XX/XXXX and a past due of {$0.00} ; XXXX CARD XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) with a late payment dated XX/XX/XXXX, showing the account is closed and paid with a XXXX balance ; and XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ), reported with a late payment dated XX/XX/XXXX and also closed and paid in full with a XXXX balance. 

These accounts all reflect a {$0.00} past due amount, and XXXX of XXXX XXXX and XXXX closed and paid in full, yet they are still being reported as having late payments. This creates a misleading and harmful impression of my payment history that is not aligned with the true status of these accounts. Additionally, I have not been provided any documentation from TransUnion or the creditors that proves these derogatory notations were accurate or properly validated under the law.

Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i, I have the right to dispute inaccurate or unverifiable information and expect a reinvestigation to take place within 30 days. TransUnion also has a legal duty under 15 U.S.C. 1681e ( b ) to maintain maximum possible accuracy in the reporting of consumer credit information. Continuing to publish derogatory marks on accounts that are paid in full, reflect no delinquency balance, or can not be verified violates both of these provisions. 

The presence of these incorrect late payments is misleading, unfair, and is causing demonstrable damage to my creditworthiness. These are not valid representations of my financial behavior and are obstructing my ability to access fair financial opportunities.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
My credit score suddenly dropped drastically!!! After extensive investigation, the reason was discovered. Some collections company based in XXXX, XXXX  called Wakefield and Associates ( a company I've NEVER heard of, been contacted by in ANY WAY AT ALL ) has appeared out of no where supposedly representing a medical group called XXXX that I have NEVER been treated by EVER, yet claiming to collect a debt of the most bogus amount of $ XXXX???? Not an exact amount??? Makes ZERO sense, also why was I NEVER contacted by anyone by either supposed company? Also, I've been on XXXX, my spouse has been unable to work due to having to become my sole full-time XXXX   since XX/XX/year> after falling victim to a surgeon 's malpractice in XXXX XXXX XXXX. The surgeon aka XXXX XXXX XXXX XXXX XXXX XXXX, during a routine XXXX XXXX XXXX XXXX, hid that I XXXX  on table due to rapid XXXX XXXX, XXXX XXXX, leaving me XXXX XXXX XXXX or work in the most excruciating pain of my life.I 've had to endure a XXXX hr long XXXX XXXX XXXX with XXXX additional XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX, with XXXX of only XXXX XXXX XXXX XXXX XXXX  in the US, followed by many more XXXX, XXXX XXXX, etc.. In attempts to repair what my physcians refer to as " the complete destruction of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inflicted by the XXXX XXXX surgeon who should be in jail ''. Instead that XXXX admitted to it, retired and XXXX XXXX XXXX Bankruptcy due to their providers harming and/or XXXX  so many patients! I've ALWAYS had insurance that's paid 100 % no copays, no deductibles. Also, Ive NEVER been treated in XXXX? How is this possible or allowed?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Subject : Formal Complaint Against HSBC for Delayed and Negligent Handling of Wire Recall and Hold Harmless Letter To Whom It May Concern, I am writing to formally file a complaint against HSBC Bank USA regarding their negligent handling of a wire recall and their continued failure to provide a required Hold Harmless Letter, which has directly resulted in an unresolved and delayed refund of funds initially wired on XX/XX/XXXX. 

Background and Timeline : On XX/XX/XXXX, I initiated a wire transfer via HSBC. 
Due to subsequent circumstances, XXXX initiated a wire recall request to the recipient bank, XXXX XXXX  on XXXX. 
XXXX Bank requested a Hold Harmless Letter ( HHL ) from HSBC in order to process the refund. 

HSBCs Failure to Act : I contacted HSBC multiple times regarding this request. 
Initially, HSBC claimed that they were unable to generate a Hold Harmless Letter and did not understand how to do so. 
I provided HSBC with a standard template and urged them to complete the process. 
On XX/XX/XXXX, XXXX informed me that the Hold Harmless Letter had been sent. However, upon contacting XXXX XXXX, they confirmed no such document had ever been received. 
On XX/XX/XXXX, HSBC again admitted that the Hold Harmless Letter had not been sent and continued to claim they do not know how to write it. 
On XX/XX/XXXX I provided the template again, but as of today, HSBC has still failed to send the letter, and has now stated it would take 15 additional business days, without any valid justification. 
This has directly prevented the release of my funds from XXXX XXXX  due to HSBCs incompetence and inaction. 

Request for Regulatory Review and Urgent Resolution : This pattern of contradictory statements, inaction, and inability to perform basic legal and procedural functions such as issuing a Hold Harmless Letter reflects serious internal deficiencies within HSBCs legal and compliance departments. I believe this represents : Negligence in customer service and compliance Lack of legal competency in wire recall procedures Unjustifiable delays that have directly harmed me as a consumer I am requesting that a regulatory investigation be opened into HSBCs conduct in this matter. I further urge HSBC to immediately complete and send the required Hold Harmless Letter to XXXX XXXX  within three ( 3 ) business days, to avoid further delay in the release of funds that are rightfully due to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: NJ

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 
1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$810.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7700.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$28.00} INQUIRIES : XXXX XXXX  Date : XX/XX/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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation