vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Company : Capital One Product : Credit Card / Capital One Travel portal Complaint Type : Service/ Redemption of Travel Credits approximately {$1700.00}. 

I purchased XXXX  XXXX tickets through Capital One Travel in XX/XX/year>. The trip was canceled, and I was promised a travel credit worth approximately {$1700.00}. 

The credit appeared in my Capital One Travel account for a year. When I tried to use it, the Contact Support link displayed only a generic FAQ page without a direct phone number or instructions to redeem the credit. The terms simply said valid for one year, without clarifying whether travel must begin or be completed within that period. Proper term was buried in light gray in the original Cancelation email. 

Assuming I could rebook online, I delayed calling until close to the expiration date. When I finally reached support, I was told the credit had almost expired, could not be extended, and I was offered only a {$100.00} goodwill credit. 

This feels like a process failure : unclear terms, nonfunctional support links, and no clear escalation path made it effectively impossible to use a {$1700.00} credit. 


I am a Capital One Venture cardholder ( switched from XXXX XXXX XXXX for better service ) and request a written response, as I am not available for phone calls during weekdays. 

There are three screenshot in attachment demonstrating : - Book button that doesn't work. 
- Contact Support Message without ( actual Support Contact phone number ) - the message appears when I try to book. 
- The page that is displayed when I press Contact Support : only generic FAQ links.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: Block, Inc.
State: TN

Complaint narrative:
In XX/XX/year>, I was scammed through Cash App. I reported the issue to my bank, and they reimbursed me for the loss by initiating a reverse transaction through Cash App. 
Now, in XX/XX/year>, Ive discovered that my Cash App account has a negative balance of {$440.00}. Ive contacted Cash App support multiple times to resolve this, but they continue to tell me to either reach out to my bank or pay the balance. I dont believe I should be held responsible for this negative balance, as the original transaction was a result of fraud and completely out of my control. 
I am requesting additional assistance to correct this issue so I can continue using my Cash App card without being forced to repay a balance that resulted from a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my TransUnion credit report and found that it contains inaccurate personal information that does not belong to me. Specifically, TransUnion is reporting : Incorrect name variation : XXXX XXXX XXXX / XXXX, XXXX, XXXX instead of my correct legal name, XXXX XXXX XXXX. 

Outdated and incorrect addresses : XXXX XXXX XXXX XXXX, FL XXXX; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX, even though my correct and current address is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

These inaccuracies create a risk of misidentification and directly impact my ability to obtain credit, housing, and pass identity verification checks. I provided TransUnion with supporting documentation ( government-issued ID, utility bill, bank statement, and phone bill ) to verify my correct personal information, yet they continue to report the wrong data.

This is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to maintain only accurate and verifiable information, conduct a reinvestigation within 30 days, and delete any information that can not be verified.

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 2025-09-14 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: MD

Complaint narrative:
Company improperly reporting on my credit report I do not owe this company of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 account is a personal credit card account opened at XXXX XXXXXXXX XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned accounts are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Equifax credit reporting agency block all of the accounts identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-14 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: TX

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-14 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: PR

Complaint narrative:
I am disputing the reporting of account XXXX because the information being reported is inaccurate and inconsistent across the three credit bureaus.

TransUnion shows the account as Derogatory but reports no payment history.

Experian reports multiple late payments ( 30, 60, 90 days past due ) after the account was closed in XXXX, which is impossible and misleading.

Equifax reports the account as a Paid charge-off but lists different balances, dates, and statuses than the other bureaus. 

I previously disputed this account with the credit bureaus, but the company failed to provide proper verification or correct the errors. The reporting remains inaccurate, incomplete, and unverifiable, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

I am requesting that this account be corrected or permanently deleted from my credit file, since the company can not demonstrate that the reported information is 100 % accurate and verifiable.

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 2025-09-14 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: PR

Complaint narrative:
I am disputing the reporting of account XXXX because the information being reported is inaccurate and inconsistent across the three credit bureaus.

TransUnion shows the account as Derogatory but reports no payment history.

Experian reports multiple late payments ( 30, 60, 90 days past due ) after the account was closed in XXXX, which is impossible and misleading.

Equifax reports the account as a Paid charge-off but lists different balances, dates, and statuses than the other bureaus. 

I previously disputed this account with the credit bureaus, but the company failed to provide proper verification or correct the errors. The reporting remains inaccurate, incomplete, and unverifiable, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

I am requesting that this account be corrected or permanently deleted from my credit file, since the company can not demonstrate that the reported information is 100 % accurate and verifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I maintain a business credit card account with Capital One. While I am listed as a personal guarantor on this account, the prevailing Card Agreement does not contain any provision expressly authorizing Capital One to furnish information about the business account to consumer credit reporting agencies or to include the account on my personal credit file. 

Despite this, Capital One has reported the business account and its associated debt to my personal credit reports with XXXX XXXX XXXX XXXX 

I submitted a formal demand letter requesting deletion of this account from my personal credit file. Capital One has failed to remove the account. 

Additionally, the validity of the account charges is the subject of ongoing litigation in the XXXX XXXX XXXX, XXXX XXXX, Florida, where I have filed suit against Capital One for breach of contract. 

Time line : Court Case filed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Capital One Served XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/year> Capital One Reported Account ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX, 2025 Capital One 's Attorneys Responded XXXX XXXX XX/XX/year> Capital One has violated the following laws : 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Prohibits furnishing information known or reasonably believed to be inaccurate. Reporting a business account on my personal file, absent express contractual authority, constitutes inaccurate furnishing.

15 U.S.C. 1681s-2 ( a ) ( 2 ) : Requires furnishers to correct and update incomplete or inaccurate information. Capital One has not corrected its reporting despite written notice.

15 U.S.C. 1681s-2 ( a ) ( 3 ) : When information is disputed, a furnisher may not report the debt without noting the dispute. While this statute permits dispute notation, the proper correction here is complete deletion, because no contractual authority to report exists.

15 U.S.C. 1681b ( a ) ( 2 ) : A consumer report may only be furnished in accordance with the written instructions of the consumer. No such written instructions exist in this case.

Florida Consumer Collection Practices Act ( FCCPA ) : Fla. Stat. 559.72 ( 5 ) : Prohibits disclosing information concerning a debt to a person not permitted by law. Reporting a business account to consumer CRAs without explicit authority constitutes an unlawful disclosure.

Fla. Stat. 559.72 ( 9 ) : Prohibits asserting a legal right that does not exist. By reporting this business account to my personal credit file without contractual authorization, Capital One is asserting a right it does not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: OH

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1500.00} -XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$140.00} The above accounts that is currently reporting to my credit report is holding up the process of me buying a new home. The accounts is FRAUDULENT and UNAUTHORIZED. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$140.00} The above accounts has filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA805/806/809.demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

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 2025-09-14 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: IL

Complaint narrative:
I believe my account was unfairly closed. The payment in question was not yet due until XX/XX/XXXX, and I attempted to make the payment in good faith. The issue only occurred because your system does not immediately process transactions, and I did not have the full balance available at that moment. Closing my account for this reason is not a fair or accurate reflection of my payment history or intent to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information, as I am a victim of the recent data breach that has affected numerous individuals. The following items do not belong to me and is a result of fraud that I did not authorize : Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ), I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to my personal information. The breach has compromised my data, and I am concerned about the potential for identity theft and misuse of my information. Please find my details below for your reference : - Full Name : XXXX XXXX - Social Security Number : - Date of Birth : - Current Address : XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additionally, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit 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 non-monetary relief
Consumer complaint received 2025-09-14 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-14 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: KY

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Synergetic Communication Inc
State: DE

Complaint narrative:
On XX/XX/year> Synergetic Communication lnc ( a collection company ) reported a medical debt to my credit report to damage my credit for the amount of {$3600.00} medical bill. The medical office who turned the debt into collections is XXXX XXXX XXXX  The debt in question was never filed correctly with the insurance company for the real bill or no bill owed. I have asked the medical office and the collection company to properly submit the bill for the proper bill owed. XXXX XXXX XXXX  was supposed to file the bill with one insurance, get a denial. Then submit the bill to XXXX to pay the balance. That wasn't done and they gave me the full bill without going through the medical insurance companies like they were supposed to. This is damaging my credit and it was their fault for not properly filing the bill correctly. They never told me they followed the correct bill filling process. They just told me it got denied by medicaid because there was a primary company they have to file the bill with. I gave them both insurance companies information for them to file with both companies. I asked them to submit the bill to the fist company, wait for a denial. Then they can submit to my medicaid insurance for the bill to get paid. They didn't want to go through the full process so they just sent me the full bill.

Company response to consumer: Closed with explanation