vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
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
Consumer complaint received 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I fell past due on my capital one card in error. I asked for the late fees to be waived. The rep did rebate a fee of XXXX. My confusion came from my latest statement. The statement has no reference of a past due amount and I thought this was regulatory. The rep said I was past due XXXX dollars and I received a XXXX on that. Since my statement had no past due amount causing confusion, I would like capital one to zero out my min due for the month so I can get back on track with the account. Please look into this into the statement issue as well. If the past due amount is not on my statement, the same is true for hundreds of others.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding multiple inaccuracies and potentially fraudulent information on my credit report. Despite my repeated attempts to resolve these matters directly with the reporting agencies and creditors, the issues remain unresolved. 

The following are the inaccuracies and disputes on my credit report : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts Reported Incorrectly : XXXX/XXXX  XXXX XXXX XXXX High Balance : {$960.00}, Opened : XX/XX/XXXX Charge Off XXXX XXXX XXXX XXXX XXXX High Balance : {$3200.00}, Opened : XX/XX/XXXX Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$20000.00}, Opened : XX/XX/XXXX Charge Off XXXX XXXX XXXX XXXX High Balance : {$5000.00}, Opened : XX/XX/XXXX Late Payment XXXX  XXXX XXXX XXXX  High Balance : {$3000.00}, Opened : XX/XX/XXXX Late Payment XXXX XXXX XXXX XXXX XXXX * High Balance : {$4700.00}, Opened : XX/XX/XXXX Collection XXXX XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$0.00}, Opened : XX/XX/XXXX Late Payment XXXX XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$710.00}, Opened : XX/XX/XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$2000.00}, Opened : XX/XX/XXXX Collection Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inaccuracies have caused significant stress, potential financial harm, and may affect my ability to obtain credit, housing, and employment. I request that the CFPB investigate these matters promptly and require the reporting agencies and creditors to verify, correct, or remove any inaccurate or unauthorized entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MO

Complaint narrative:
I had storm damage in XXXX of 2025. The insurance paid it out in XXXX of 2025, and I sent it to Pennymac as requested. I contacted them to let them know I was wanting to perform self-repair, as I have family that is in contracting and we can get materials cheaper that way. This was no issue according to them, however, I just had to submit a letter from the person helping stating we wanted to do self repairs. Once submitted, I contacted them and was told it was denied because the letter had to be from me, and my adjusters worksheet was incorrect. I then resubmitted the letter outlining why I was performing self-repair, along with an updated worksheet, and I didnt hear back from them. Since XXXX, when it rained it would pour into my house and I was trying to get this repaired. 

Beings I didnt received any updates, and was told it would be ok for self-repair with that request submitted, my family came in and we repaired the roof around XXXX day of 2025. My family paid for all of the materials out of pocket, expecting we would at least get reimbursed once the insurance claim came through. The week following I reached out to Pennymac, and was told my claim was once again denied for self repair. I let them know that we already repaired the roof operating under the assumption we were good to go. They requested an invoice and an explanation of the repair/expenses, and the full claim would not be given, just a reimbursement of expenses. 
I submitted both invoice and explanation in early XX/XX/year>, and as of today XX/XX/XXXX, this invoice has been- you guessed it- denied for repayment. 
Pennymac is holding the insurance claim money and at this point REFUSING to pay it out, even though we have a bill of materials and invoice. The damage that was leaking for 5 months has been repaired, but now we need reimbursed/given access to the insurance claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXXXXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity 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 2025-10-13 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: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
I talked with someone around XXXX of 2025 the problem is it's my son 's account not mine and it's even under his social so they would not give me any information.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-14 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: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NV

Complaint narrative:
I had XXXX dollars on my Cash App and someone took my money off my card and I had XXXX dollars on my Cash App and XXXX took my money without my consent now my money is gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I was not late. 
In accordance with the Fair Credit Reporting Act Convergent Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an 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 non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
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 non-monetary relief
Consumer complaint received 2025-10-13 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: GA

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 2025-10-13 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: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: NY

Complaint narrative:
In accordance with the pair credit reporting act XXXX XXXX XXXX # XXXX and # XXXX, have violated my rights. 
15 U.S>C> 1681 Section 602 A. States I have the right to privacy.

12 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-10-14 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: CA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-10-13 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: MS

Complaint narrative:
XXXXI am submitting this complaint because multiple credit reporting inaccuracies and violations are severely harming my credit profile. These errors violate my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seq. and must be addressed immediatelyXXXX. Wrong and Fraudulent Addresses ReportedXXXXThe following addresses are being falsely reported and are not associated with me:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese addresses are inaccurate and misleading. Their continued presence suggests possible mixed file or identity theft, and they must be deleted immediately.XXXX2. Inaccurate and Misreported AccountsXXXXSeveral accounts are being reported inaccurately, with wrong balances, statuses, or duplications:XXXX XXXX  Reported as Charge Off with a XXXX balance, opened XXXX. This is not valid and should be deletedXXXX XXXX XXXX  Charge Off reported with $XXXX  balance, opened XXXX InaccurateXXXX XXXX  Late payment, opened XXXX Duplicate/incorrect reporting also appears as XXXX XXXXPREFERRED CR 75  Reported Charge Off XXXX opened XXXX. Disputed as inaccurateXXXX XXXX  Late payment, opened XXXX. This reporting is incomplete and misleadingXXXX XXXX XXXX   Late payment, opened XXXX  Inaccurate.XXXX XXXX XXXX  Late payment, opened XXXX. Inaccurate.XXXXXXXX XXXX XXXX   Collection reported XXXX, opened XXXX. This is erroneous and unverifiable.XXXX XXXX   Collection XXXX, opened XXXX. UnverifiedXXXX XXXX XXXX XXXX XXXX XXXX opened XXXX  Unverified.\n\nThese accounts are either inaccurate, unverifiable, duplicated, or obsolete. Under FCRA 1681i, the furnishers and credit bureaus are required to verify or delete these entries.\n\n3. Improper Inquiries Without Authorization\n\nThe following hard inquiries appear without my authorization or permissible purpose under FCRA 1681b:XXXX XXXX XXXX XXXX XXXX XXXXThese inquiries are unauthorized and damaging to my credit. They must be removed.\n\nRequested Relief\n\nI request that the CFPB:\n\nInvestigate these errors and require the credit bureaus (XXXX, Equifax, XXXX) and furnishers to remove the wrong addresses, unverifiable accounts, and unauthorized inquiries.\n\nEnsure compliance with the FCRA, including proper reinvestigation and deletion of inaccurate data.\n\nProvide me with written confirmation of corrective actions taken.\n\nThese false entries are causing severe and unjustified harm to my credit profile. I demand immediate corrective action and full compliance with federal law.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I applied for a capital one credit card, was approved for {$300.00} limit. Received the card XX/XX/XXXX, activated the card, used it on XXXX  to place a order. Next day XX/XX/XXXX, go to atm cant use the card, called capital one at work they said i needed to verify some activities on the card they never told me what they were. So they sent me a link to send front and back of my license, i did on yesterday. Ive called them many times they wont tell me what activities, told me its processing with an agent and take 1-10 business days. I only used the card once and have available credit of {$260.00} they not telling me nothing. I need to make a phone payment before i dont have service. I will call again tomorrow. They tell me to wait and someone would call to verify activities that should not take 10 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I made a payment on XXXX the XXXX payment did not go through because my debit card was froze received the notice of cancellation of policy for XX/XX/XXXX at XXXX XXXX XXXX XXXX I made a payment on XX/XX/XXXX received a XXXX  of acknowledgment of payment in that payment was applied to my policy I drove from the XXXX until the XXXX of XXXX at that time is when I found out I was uninsured USAA council my policy on the XXXX I'm belong to me they stated that I was supposed to have paid {$120.00} I asked him why didn't it representative give me the correct amount if it was different than the amount that I was told they stated that I was not fully authenticated as to the reason why the representative didn't give me the correct amount due. I stated is this the way we treat our customers knowing that my policy would cancell because of a {$3.00} difference I asked him that I would like to open up in an investigation and that I would like for them to reinstate my insurance policy After brief moment over the phone A few questions They stated that the dispute was final. After another phone call They were willing to reinstate me but at higher rates.

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