vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, I prepaid {$140.00} for a room at the XXXX XXXX XXXX XXXX XXXX, with a check in date of XX/XX/year> and check out date of XX/XX/year>. This charge was made with Capital One credit card, and can be verified via the account statement, and a screen shot of the prepayment was also provided to Capital One. On XX/XX/year>, The XXXX XXXX XXXX XXXX XXXX double-charged me {$210.00} for the aforementioned prepaid room at check in. I immediately requested a refund, and the front desk agent assured me that the full amount will be refunded within XXXX business days. However, The XXXX XXXX XXXX only partially refunded the charge ( {$100.00} ) as of XX/XX/year>. I am requesting the rest of the charge for the room to be refunded, as the room was prepaid, and I should not have been charged at all on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: DC

Complaint narrative:
I recently notice after viewing my consumer report inaccurate, unauthorized, incorrect information XXXX account is reported as a charge-off, but it appears to misrepresent canceled or forgiven debt as income. Under FCRA 602 ( a ), 607 ( b ), and 623 ( a ) ( 1 ) ( A ), this reporting is inaccurate and misleading.

Additionally, under IRS Code 61 ( a ) ( 12 ), discharged debt is considered income for tax purposes only and is not appropriate for credit report inclusion. Please remove or correct this entry to reflect only accurate charge-off status without implying income.Under 15 U.S.C. 1681, 1681i ( a ), 1681n, 1681o, and 1681s-2 ( a ) ( 1 ) ( A ), the Fair Credit Reporting Act mandates that furnishers must report only accurate information and promptly reinvestigate any consumer disputes. Failure to comply with these duties can result in civil liability, including actual and statutory damages. Specifically, 1681i ( a ) requires consumer reporting agencies to reinvestigate disputed information within 30 days, while 1681s-2 ( a ) ( 1 ) ( A ) prohibits reporting information known to be inaccurate. Violations may subject the responsible parties to penalties under 1681n and 1681o.Under 15 U.S.C. 6802, consumers have the right to opt out of the sharing of their nonpublic personal information by financial institutions with non-affiliated third parties. This provision empowers consumers to protect their privacy and control how their personal financial information is disclosed. I hereby exercise my right under this law to opt out of any such information sharing. 

I am requesting an immediate reinvestigation and correction under the FCRA. Thank you.

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 2025-06-15 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: DC

Complaint narrative:
I recently notice after viewing my consumer report inaccurate, unauthorized, incorrect information XXXX account is reported as a charge-off, but it appears to misrepresent canceled or forgiven debt as income. Under FCRA 602 ( a ), 607 ( b ), and 623 ( a ) ( 1 ) ( A ), this reporting is inaccurate and misleading. 

Additionally, under IRS Code 61 ( a ) ( 12 ), discharged debt is considered income for tax purposes only and is not appropriate for credit report inclusion. Please remove or correct this entry to reflect only accurate charge-off status without implying income.Under 15 U.S.C. 1681, 1681i ( a ), 1681n, 1681o, and 1681s-2 ( a ) ( 1 ) ( A ), the Fair Credit Reporting Act mandates that furnishers must report only accurate information and promptly reinvestigate any consumer disputes. Failure to comply with these duties can result in civil liability, including actual and statutory damages. Specifically, 1681i ( a ) requires consumer reporting agencies to reinvestigate disputed information within 30 days, while 1681s-2 ( a ) ( 1 ) ( A ) prohibits reporting information known to be inaccurate. Violations may subject the responsible parties to penalties under 1681n and 1681o.Under 15 U.S.C. 6802, consumers have the right to opt out of the sharing of their nonpublic personal information by financial institutions with non-affiliated third parties. This provision empowers consumers to protect their privacy and control how their personal financial information is disclosed. I hereby exercise my right under this law to opt out of any such information sharing. 

I am requesting an immediate reinvestigation and correction under the FCRA. Thank you.

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 2025-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: IN

Complaint narrative:
I'm not getting the rewards that I was promised when I set my account it. They do quarterly setup of rewards. I have picked my categories, and the rewards have not shown up for at least XXXX months. I have picked my rewards twice.

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 2025-06-15 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: FL

Complaint narrative:
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 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 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 explanation
Consumer complaint received 2025-06-16 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: FL

Complaint narrative:
Please remove this false and unrecognized account from my credit report, as it is not associated with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ]

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 2025-06-15 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: AZ

Complaint narrative:
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 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 : 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 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 explanation
Consumer complaint received 2025-06-15 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: OH

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 [ 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 2025-06-15 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: NJ

Complaint narrative:
I'm filing this complaint under the FCRA due to the willful noncompliance of the credit bureaus & data furnishers improperly investigating my disputes, as required under 15 usc1681 & 15 usc 1681 A-2 ( B ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation & have continued to report inaccurate information to my credit report. Furthermore, the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. This failure to uphold their responsibilities under the FCRA constitutes a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I was presented an in app offer from American Express offering XXXX sky miles for each new card holder that was added and met the {$500.00} spend requirement. This was completed twice, for a total of XXXX miles. I have chatted with AMEX agents in at least XXXX occasions as I have yet to receive the XXXX miles. They have opened an investigation on their end, but have not communicated any information about that investigation to myself. After chatting with an agent again today they offered me XXXX sky miles as a courtesy. XXXX still missing XXXX miles.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: PR

Complaint narrative:
I am requesting a reinvestigation of the account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which was closed in XX/XX/XXXX following a voluntary surrender. Despite its closure, this account continues to be reported monthly as delinquent and derogatory through XXXX, XXXX, and XXXX, which is inaccurate and misleading. Continued reporting after closure constitutes potential re-aging of the debt and violates the Fair Credit Reporting Act ( FCRA ). 
This account has been investigated a few times and it still shows innacurate information and it's violating my rights. 
Please remove this account from my credit report. It is hurting my ability to get credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: PR

Complaint narrative:
I am requesting a reinvestigation of the account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which was closed in XX/XX/XXXX following a voluntary surrender. Despite its closure, this account continues to be reported monthly as delinquent and derogatory through XXXX, XXXX, and XXXX, which is inaccurate and misleading. Continued reporting after closure constitutes potential re-aging of the debt and violates the Fair Credit Reporting Act ( FCRA ). 
This account has been investigated a few times and it still shows innacurate information and it's violating my rights. 
Please remove this account from my credit report. It is hurting my ability to get credit.

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 2025-06-15 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: CCS Financial Services, Inc.
State: AL

Complaint narrative:
Credit Collection Services is a third-party debt collector and has no legal standing, contract, or verified agreement granting them the right to access, furnish, or report tradelines on my consumer credit report. Their continued reporting is unlawful and constitutes willful non-compliance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681 ( b ) and Fair Debt Collection Practices Act ( FDCPA ). This is a classic example of a third-party debt collection abuse reporting a debt they do not own, can not validate, and were never contracted to collect. I am filing this complaint against Credit Collection Services ( CCS ) for unlawfully furnishing false and incomplete information to both XXXX XXXX XXXX, without legal standing, contract, or chain of custody.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: MO

Complaint narrative:
I've recently recieved a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: MO

Complaint narrative:
I've recently recieved a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I received a letter in the mail at my parents address on Saturday, XX/XX/year>. The letter was from Capital One and included a Capital One Savor XXXX that was opened in my name. The letter included the card and information on how to activate. My last name was spelled incorrectly. I never applied for this credit card. I reported this to the Capital One Fraud Division who informed me that the card account is open and has a {$1000.00} credit limit. Capital One reported that they would run the issue up their chain of command and recommended that I file a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
Account is time barred, as it has closed in XX/XX/XXXX. I disputes this on XX/XX/XXXX. There has been no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: NY

Complaint narrative:
I bought XXXX using Cashapp. When I bought it, there was no prompt for identity verification. After I tried to sell my XXXX XXXX, i was prompted for identity verification, which i used my XXXX XXXX for that is NOT expired. It denied it. It then asked for SSN verification which I provided. It asked another multiple times, where I entered it correctly multiple times. It then LOCKED me out. Now I have a void wallet holding {$150.00} worth of XXXX that I cant withdraw, use, or have any control over.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
They sold a debt and have it still listed on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding LLC Subject : Notice of Failure to Validate Debt and Demand for Removal Reference : Account Number [ XXXX XXXX AND XXXX XXXX ] To Whom It May Concern, I am writing in reference to my previous letter, dated [ XX/XX/year> ], in which I formally requested that you validate the alleged debt you claim I owe. To date, you have failed to provide the legally required validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. 

As a result of your failure to comply : You are in violation of federal law. 

You must immediately cease all collection activity regarding these accounts. 

You must remove all references to these debts from any and all credit reporting agencies to which it has been reported too. 

Any further collection activity without proper validation will be documented and may be reported to the Consumer Financial Protection Bureau ( CFPB ) in which I just did this through the CFPB, Federal Trade Commission ( FTC ), and my state attorney generals office. 

Please consider this your final notice. I demand that you confirm in writing that this matter is closed and that any credit reporting related to this unverified debt has been removed. 

Failure to comply with this request will result in further action on my part to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I was charged {$32.00} interest on my visa even though I paid the statement balance in full. Your agent told me it was because I didn't pay the balance in 1 lump sum, but split it into 2 payments. It didn't matter that I had paid the entire amount before the due date.

This is absurd. This " rule '' is not posted anywhere. I typically do not pay my statement balance in 1 lump sum and have never been charged interest before.

Company response to consumer: Closed with explanation