vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: NC

Complaint narrative:
In XX/XX/XXXX, I was approved for XXXX  financial hardship program, effective XX/XX/XXXX, through XX/XX/XXXX. Since enrollment, I have made every payment on time according to the hardship plan terms and have remained fully compliant. 

Despite this, my credit reports show XXXX late payments for XXXX, XXXX, and XX/XX/XXXX -- the very months that fall under the approved hardship period. These late marks are inaccurate and misleading, as they do not reflect my current payment behavior or the accounts standing under the hardship arrangement. 

I contacted XXXX XXXX XXXX Department in writing ( see letter dated XX/XX/XXXX ). XXXX not asking for a goodwill adjustment ; XXXX asking XXXX to correct inaccurate reporting that shows my account as late during a valid hardship plan, even though all payments were made on time. As of this filing, XXXX has not corrected or updated the information with any of the XXXX credit bureaus. 

Discovers continued furnishing of inaccurate data appears to violate its duties under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibiting furnishers from reporting information they know or have reasonable cause to believe is inaccurate.

15 U.S.C. 1681s-2 ( a ) ( 2 ) requiring furnishers to promptly correct and update information that is incomplete or inaccurate.

15 U.S.C. 1681s-2 ( b ) requiring furnishers to conduct a reasonable investigation when notified of a dispute by a credit bureau . 

The inaccurate late reporting has negatively impacted my XXXX XXXX and financial standing, despite my full compliance with XXXX  hardship plan. I am requesting that XXXX review this matter, correct the inaccurate data with all credit bureaus, and update my account to show on-time payments during the hardship period.

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 2025-11-05 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: NC

Complaint narrative:
In XX/XX/XXXX, I was approved for XXXX  financial hardship program, effective XX/XX/XXXX, through XX/XX/XXXX. Since enrollment, I have made every payment on time according to the hardship plan terms and have remained fully compliant. 

Despite this, my credit reports show XXXX late payments for XXXX, XXXX, and XX/XX/XXXX -- the very months that fall under the approved hardship period. These late marks are inaccurate and misleading, as they do not reflect my current payment behavior or the accounts standing under the hardship arrangement. 

I contacted XXXX XXXX XXXX Department in writing ( see letter dated XX/XX/XXXX ). XXXX not asking for a goodwill adjustment ; XXXX asking XXXX to correct inaccurate reporting that shows my account as late during a valid hardship plan, even though all payments were made on time. As of this filing, XXXX has not corrected or updated the information with any of the XXXX credit bureaus. 

Discovers continued furnishing of inaccurate data appears to violate its duties under the Fair Credit Reporting Act ( FCRA ), specifically : XXXX U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibiting furnishers from reporting information they know or have reasonable cause to believe is inaccurate.

15 U.S.C. 1681s-2 ( a ) ( 2 ) requiring furnishers to promptly correct and update information that is incomplete or inaccurate.

15 U.S.C. 1681s-2 ( b ) requiring furnishers to conduct a reasonable investigation when notified of a dispute by a credit bureau .

The inaccurate late reporting has negatively impacted my credit score and financial standing, despite my full compliance with Discovers hardship plan. I am requesting that XXXX review this matter, correct the inaccurate data with all credit bureaus, and update my account to show on-time payments during the hardship period.

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 2025-11-05 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: MD

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
Please accept this letter as my official dispute regarding the accounts in question. I have no affiliation with them, nor did I authorize their creation. I request their prompt deletion and a thorough review. Documentation is attached for your consideration.

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 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
i been paying XXXX of my cards on time and i wasnt XXXX or more dates i even paid the card off and then the next day they closed my account i dont think thats fair when i was a valued customer and i never had this problem with my bank account since i got this account. i wish someone notified me or emailed me pertaining to this matter yes i take full responsibility of a reutn payment but the bank was not relating my funds and i switch banks. i wish i knew if someone called me my cards wouldnt been close if i could have paid instant with a debit card i dont think its fair and its defamation to character that my closed are closed when i had them for years. Capital One Bank XXXX : Account Reinstatement / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Request for Account Reinstatement / XXXX  Consideration Account Number : XXXX XXXX XXXX XXXX XXXXs ) Dear Capital One Representative, I am writing regarding my Capital One credit card account listed above, which was recently closed following a returned payment. I fully understand that this situation is taken seriously, and I sincerely apologize for the inconvenience this caused. 

The returned payment was the result of having the money and not using a debit card i didnt know i can pay and my account was link wrong and this was an isolated error, and I have already corrected the issue with my bank to ensure that it does not happen again. 

I have been a responsible customer and have valued my relationship with Capital One. I am committed to maintaining a positive payment history. I would like to request reconsideration to reopen the account or for goodwill leniency regarding the closure. If reinstatement is possible, I am fully prepared to make a payment toward the current balance immediately. 

Thank you for reviewing my request. I truly appreciate your time and understanding, and I hope to continue being a customer of Capital One. 

Sincerely, [ XXXX ownens ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
This garbage company instead of refunding me my purchase adjustment fees they just want to close my accounts like a bunch of cowards!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: LA

Complaint narrative:
I had contacted the companies as well as the credit bureaus to let them know that I did not authorize them to pull my credit and that the inquires should be removed they told me they cant even though they were not authorized and that is not true!! Remove those inquires now or I will sue. 

XXXXXXXX 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 2025-11-05 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: TX

Complaint narrative:
I am disputing an unauthorized account and inquiries that have been reported on my credit profile. I did not apply for, open, or authorize this account and inquiries. Nor did I give anyone permission to use my personal information for this purpose. This account and inquiries are the result of identity theft.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This account was charged off on the following date Since then the date of last activity has been inconsistently updated. On Equitax the date last active and on Transunion if the information is coming from the original creditor the dates should be the same. We can not say these account are XXXX % accurate so it is deemed INACCURATE. Please delete this account from my report.

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 2025-11-05 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: OH

Complaint narrative:
This account was charged off on the following date Since then the date of last activity has been inconsistently updated. On Equitax the date last active and on Transunion if the information is coming from the original creditor the dates should be the same. We can not say these account are XXXX % accurate so it is deemed INACCURATE. Please delete this account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: SC

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately.

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: LA

Complaint narrative:
On XX/XX/year>, unauthorized transactions totaling {$3500.00} were made from my account through Cash App. I did not authorize, participate in, or benefit from any of these transactions. 
I first noticed the missing funds on the evening of XX/XX/year>. The following morning, XX/XX/year>, I immediately reported the issue to XXXX XXXX, contacted Cash Apps support team, and filed a police report regarding the fraudulent activity. 
When I first contacted Cash App Support, I did not receive any information regarding the initial claim or its outcome beyond a single email stating : ... our investigation led us to determine that this transaction ( s ) was authorized by you or someone you authorized to use your credentials, and no error occurred. As a result, your claim has been denied and closed. After receiving this email, I filed another claim the same day and have continued to follow up with Cash App. Support representatives have informed me that they do not have access to updates about the case, as it is handled by a separate internal team. When I asked if there was a way to contact that team directly, I was told there was not and that I would need to wait for the results. I haven't been able to submit any proof that I have or anything. I am requesting that the company issue a refund or credit for the full amount of {$3500.00}, as these transactions were unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: KS

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2025-11-05 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: IL

Complaint narrative:
I'm writing because there's an account on my credit report that is completely inaccurate, and I need this issue addressed and corrected immediately. The information being reported is flat-out wrong, and its already having a serious impact on my credit profile and my life.

Let me be absolutely clear : I have no connection to this account. I never opened it, never authorized it, and have never had any dealings with the company reporting it. This is either the result of a reporting error, identity theft, or a case of mixed files but whatever the cause, this is not my debt and it needs to be removed.

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain and report 100 % accurate and verifiable information. Whats currently being reported under my name does not meet that standard. In fact, its a direct violation of my rights under the FCRA, specifically Section 607 ( b ), which requires you to follow reasonable procedures to ensure maximum possible accuracy.

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 2025-11-06 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: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-06 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
TD Bank triple billed me for a promotional financing purchase I made at XXXX XXXX in XX/XX/XXXX, resulting in my monthly minimum payment being incorrectly calculated at XXXX times the expected amount. I filed a billing dispute, which resulted in TD Bank correcting the error. While under dispute, I continued to make the correct monthly payment by the due date required. TD Bank eventually corrected the error but reported a XX/XX/XXXX day late payment to the XXXX credit bureaus for XX/XX/XXXX. Because TD Bank does not have an online or phone dispute filing system, the necessary forms were required to be mailed. By the time I receive responses, the next billing cycle started, requiring me to send another dispute. Even though my account is now showing current and in good standing, the late payment on my record resulted in denial of credit when I co-signed for my sons college student loan. I filed disputes directly with XXXX XXXX XXXX XXXX. I was told that TD Bank stated their report was correct. Eventually, I reached someone at TD Bank that instructed me to file a credit dispute. TD Bank then responded that my account was correct and refused to submit corrections to my credit report.

Company response to consumer: Closed with non-monetary relief