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: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: OK

Complaint narrative:
Cashapp They closed my and paused my account because of an issue I had with my bank the issue has been resolved but cashapp still will not release my balance its been 3 years they always say theyll get back with me me through email. When they do contact me its always a email saying i didnt follow up and my case has been closed

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Failure to Reinvestigate ( 1681i ) : The bureau has ignored its statutory duty to conduct a reasonable reinvestigation within 30 days. Instead, it has recycled the same unverifiable tradelines without competent proof. I have reason to believe reasonable procedures were not followed to ensure accuracy. My entire credit report reflects inaccurate and unverifiable information across multiple accounts and inquiries, violating FCRA 602, 607 ( b ), and 611 ( a ). even I disputed this multiple times.

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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company 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 — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I checked my credit report today and it seems that the way and the information reported Netcredit reported is incorrect. I have restructured my loan with them and now they automatically take payment from my account so to report it as late is inaccurate.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Per the Fair Credit Reporting Act ( FCRA ), any unauthorized or unverified inquiries MUST be removed. These inquiries are not tied to any of my open or closed accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

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 fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Several years ago I was involved in the XXXX  security breach which left me very concerned about credit reporting agencies. More recently I received notification from XXXX  earlier this year that my data had been breached and set up a monitoring serivce with My XXXX  that they offered. A few days ago, I received an e-mail from Experian but moved into a folder as I did not have time to review it. I just opened to review and it reflects that it was received today. As I was scrolling through the text, I accidentially clicked on a link XXXX that indicated it as suspicious e-mail. I reached out to Experian for an explanation but unable to reach a live person to discuss. I am attaching the e-mail received. Today, at approximately XXXX, I received an e-mail notification from My TrueIdentity that I had a critical change to my credit report which I froze with all three credit reporting agencies following the Equifax breach. I no longer know what to believe is real or not and unable to get to a live person to discuss. 

After last complaint against Experian, I received a phone message from an unidenfied number but would not input any verification information as I did not know if it was legitimate caller. I will be happy to speak with an Experian representative but they will have to confirm their identity and come from an identifiable number.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXXI am filing this complaint against Equifax, Experian, and TransUnion for their continued failure to maintain accurate personal identifying information on my credit reports, despite repeated written disputes and clear notice of inaccuraciesXXXXAll three credit reporting agencies are reporting inaccurate, unverified, and unauthorized personal identification information, including but not limited to:XXXXIncorrect and unauthorized name variations, including:XXXX XXXX XXXX XXXX  (reported inconsistently as negative)XXXX XXXX (fabricated and misspelled)XXXXIncorrect and conflicting dates of birth, including:XXXX (my correct DOB)XXXXInaccurate and unauthorized addresses, including:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnauthorized and inaccurate employment listings, including:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI did not authorize the reporting of this information, and the bureaus have never provided written, third-party verification demonstrating accuracy, lawful source, or permissible purpose as required by the Fair Credit Reporting Act (FCRA).XXXXThese items are being reported inconsistently across bureaus, with some entries labeled positive by one bureau and negative by another. A personal identifier cannot be simultaneously accurate and inaccurate. This alone proves the data is unreliable and violates FCRA 1681e(b), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy.XXXXDespite multiple disputes, the bureaus failed to conduct lawful reinvestigations under FCRA 1681i, continued publishing conflicting identifiers, and ignored obvious signs of file contamination and third-party data corruption. This conduct is especially concerning given the Equifax data breach and XXXX XXXX XXXX XXXX, which directly impact the integrity of consumer identifying information.XXXXReporting incorrect names, addresses, dates of birth, and employers creates a mixed consumer file, increases the risk of identity theft, and exposes me to adverse credit decisions. Continuing to report this information after notice constitutes negligent and willful noncompliance under FCRA 1681n and 1681o, and also represents unfair and deceptive acts or practices in violation of the FTC Act.'

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: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding TransUnions continued reporting of inaccurate and unverifiable information ( bankruptcy ) on my credit file, despite clear evidence that the item is erroneous and has already been removed by other credit reporting agencies. 

The disputed item is a public record / legal item that does not belong to me and is the result of identity theft or mixed file reporting. Equifax has already removed this item, and Experian has confirmed removal is in progress, yet TransUnion continues to report it and insists that I file a dispute rather than correcting their records based on verified inaccuracies. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), TransUnion is required to maintain maximum possible accuracy. Additionally, under 15 U.S.C. 1681i, TransUnion must conduct a reasonable investigation when a consumer disputes inaccurate information. Simply instructing me to file a dispute without addressing the verified inaccuracies and third-party deletions is not a reasonable investigation. 

XXXX continued reporting of this inaccurate information has caused ongoing harm, including credit denials, score suppression, and emotional distress. 

Violation of FCRA 1681e ( b ) failure to ensure maximum possible accuracy Violation of FCRA 1681i failure to conduct a reasonable investigation Continued reporting of unverifiable public record data Ignoring documented deletions by other CRAs

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: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
I filed a complaint with this mortgage company a few months ago and the harassment stopped for a minute since I filed this harassment claim against them and hired an attorney. Well it has started again. They call, mail and email threatening letters to me about foreclosing on my house. The response they gave you last time had no truth to it whatsoever. Through my attorney, XXXX XXXX, we were able to get approved for a trial payment plan that will lead to a modification of my loan. I have to make payments for the amount of {$1500.00} for XXXX months beginning XX/XX/XXXX and when I complete these payments they will begin the modification plan. This is all in writing sent to my attorney and I have already paid the XXXX payment and it cleared my bank on XX/XX/XXXX. With that said, I am now receiving letters saying i owe them over {$1400.00} and my monthly mortgage payment is for {$1900.00}. Now XXXX has emailed me saying they are sending me a letter from the XXXX XXXX which means they are going to begin foreclosure. That is this company 's problem, the right doesn't know what the right hand is doing. I lived in total XXXX for XXXX months from them harassing me so much. And if you call them they are so confrontational you can't get anything accomplished. It took me hiring an attorney to get to this point and I had peace for about XXXX months and here they go again. Please help me to get them to quit harassing me. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
b'Chase Bank charged me several overdraft fees per day during a time when my finances were rocky. One per day would be understandable but they charged me XXXXtimes creating even further instability for my XXXX XXXX. Chase would only return XXXX of the fees. This is an unfair situation because chase bank benefits from the fees by hurting my XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Company : Capital One Product : Credit card Issue : Billing dispute / Credit reporting Account : Kohls charge account ending in XXXX Complaint Narrative : Capital One assumed servicing of my Kohls charge account ending in XXXX. I never received a replacement charge card following this transition, which prevented timely access to and management of the account. This servicing failure was outside of my control. 

Despite this issue, I acted in good faith and submitted payment in the amount of {$76.00} on XX/XX/year> to satisfy the outstanding balance on this account However, late fees, interest, and/or negative credit reporting were assessed as a result of Capital Ones failure to provide access to the account.

I have formally disputed this matter in writing and requested that Capital One waive all fees and interest, properly apply my payment, and correct or remove any inaccurate credit reporting pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

I am requesting that the CFPB require Capital One to : Correct any inaccurate or incomplete credit reporting, Waive all fees and interest associated with this servicing failure, Confirm proper application of my payment, and Provide written confirmation of resolution. 

Reinstate my Account in good standing.

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: CA

Complaint narrative:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

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: AR

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 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: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
opened my Bank of America checking account specifically because Bank of America advertised a {$500.00} new account bonus promotion. I followed the advertised requirements, including making qualifying direct deposits within the required timeframe. My account met the eligibility requirements and Bank of America representatives confirmed this verbally.

However, Bank of America later stated that no authorization code was generated on their end and therefore they are refusing to credit the {$500.00} bonus despite the fact that I had no way to generate or control this code myself. This code was never disclosed to me, never provided to me, and was never explained as a required step at the time I opened the account.

I relied on this advertised promotion in deciding where to deposit my funds and where to establish my banking relationship. Had I known Bank of America would not honor the promotion or would fail to properly generate internal authorization codes required for payment, I would not have chosen Bank of America.

Bank of America is now denying the bonus after the 90-day qualification window has passed, which prevents me from correcting any internal error on their part. This appears to be deceptive inducement, failure to provide required disclosures, and failure to honor advertised promotional terms.

I am requesting that Bank of America immediately credit the {$500.00} promotional bonus that my account qualified for and provide written confirmation of the promotional terms, internal authorization process, and the reason this bonus was not issued.

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 monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITY NATIONAL BANK
State: CA

Complaint narrative:
I am filing a complaint against XXXX XXXX Bank ( XXXX ) regarding long-standing credit card servicing failures involving both a commercial credit card issued to XXXX Nevada , Inc. and a personal credit card issued to me. 

Over multiple years, XXXX failed to properly credit payments, failed to investigate and resolve documented fraudulent and unauthorized charges, and failed to provide accurate balances despite repeated notice. I supplied proof of payments made through XXXX * Trade XXXX XXXX and other channels beginning as early as XXXX, yet XXXX repeatedly claimed those payments were not received or applied. 

In addition, multiple unauthorized and fraudulent charges were reported to XXXX, including transactions involving XXXX, XXXX, XXXX XXXX XXXX, and other merchants. XXXX acknowledged some of these disputes but failed to resolve them, failed to issue timely credits, and later treated the disputed balances as valid without reconciliation. 

Despite these unresolved disputes, XXXX escalated the accounts to collections in XXXX, asserting past-due balances without providing validation or completing a meaningful investigation. XXXX continued to accept payments in late XXXX and XXXX while simultaneously asserting delinquency and escalating enforcement. 

XXXX also repeatedly changed or removed assigned relationship managers, creating servicing gaps that caused loss of continuity, dropped investigations, and inconsistent handling of my accounts. In XX/XX/XXXX, XXXX formally notified me that my relationship manager had departed and no replacement had yet been identified, while assuring there would be no interruption in service. In reality, unresolved disputes continued and later escalated to collections and Special Situations. 

CNBs conduct caused financial harm, including incorrect balances, improper interest accrual, overdraft fees, credit risk, and significant time and expense attempting to correct the banks errors. XXXX proceeded with collections activity while disputes were unresolved, which I believe constitutes unfair and abusive servicing practices. 

I am requesting CFPB assistance to compel XXXX XXXX Bank to provide a full transactional accounting from inception for both credit cards, properly investigate and resolve all disputed charges, correct balances, cease collection activity until disputes are resolved, and remediate the harm caused by CNBs servicing failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NE

Complaint narrative:
Company : Block, Inc. / Cash App Product : Digital wallet / peer-to-peer payment service Complaint : I am filing a complaint regarding XXXX XXXX handling of my account closure appeal. 

My Cash App account was closed, and I submitted an appeal through in-app support. I was explicitly told by a Cash App support advocate that the completed appeal review would be sent to me by email. The last email I received from Cash App was on XX/XX/year>. 

Despite waiting beyond the stated review period and following up appropriately, I never received an appeal decision email. Instead, my case was repeatedly auto-closed for inactivity, even though I was waiting for the promised email response. 

I attempted multiple times to confirm the status of my appeal and requested escalation. XXXX acknowledged the appeal but could not provide details and continued closing cases without delivering the decision. 

At no point was I provided written confirmation that a human review of my appeal occurred.

Company response to consumer: Closed with explanation