vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
It is XX/XX/year> today. I called the credit card company and spoke to customer service agent on XX/XX/year> around early afternoon. I asked them that if i make a payment towards my credit card today, how soon will it be applied towards my available credit as i need to use my card to book a rental car. I was informed that if i make a payment before XXXX on XX/XX/XXXX it will be applied towards my available credit by XXXX on XX/XX/XXXX and i will be able to use the available credit towards the rental booking. As per these specific instructions i made a payment of {$1300.00} towards the credit card within the hour after making the call. As of today, XX/XX/XXXX, the {$1300.00} has been debited out of my bank account but the credit card has placed my payment on hold and say it will take 5-9 days for the payment to be credited towards my available credit. This has caused immense hardship as i was looking to use the available credit towards getting a rental car to get to work. Now i am out of work leading to considerable financial losses. If the customer service agent had also informed me that my payment could go on hold as per standard procedure i would have made a more informed decision and not put myself in a position where i am out of {$1300.00} from my bank account and also out of work because i am unable to work due to lack of transportation. I called the card company multiple times and spoke to supervisors but they say they can not do anything about the card hold and i will just have to wait for 5-9 days. This is unacceptable as i am out of {$1300.00} and work because of incomplete information provided to me by the customer service agent. I kindly request your assistance on this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: CT

Complaint narrative:
I am writing to formally express my concerns regarding Chimes handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I got XXXX XXXX XXXX  stating I owe PNC bank which I do owe them any thing at all I asked to do a signature compare I did not add checks to my account my account was in good standing and clearly was hacked I dont know how the check was or checks was deposited but they need to do more research because I clearly didnt do this they are claiming I owe like XXXX dollars and that is very inaccurate I owe nothing I had my account with pnc for a long while but being hacked and a fraud victim they need to remove this from my file because its causing me issues to getting my XXXXXXXX XXXX account back or opened they are not doing any compromising as to get this resolved the rite way I was in the hospital when I found out about these matters with PNC i need this to be resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Complaint Regarding Violation of the Fair Credit Reporting Act ( FCRA ) / Regulation V To Whom It May Concern, I am submitting this complaint to report a violation of the Fair Credit Reporting Act ( FCRA ) and its implementing regulation, Regulation V, by Equifax, Experian, TransUnion.

On XX/XX/year>, I discovered that inaccurate information was being reported on my credit report, the company failed to investigate a dispute. 

As required by the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must ensure that all information is accurate and verifiable. 15 U.S. Code 1681E- Compliance procedures. 

Account Name : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to investigate a dispute , continued reporting of inaccurate data, unauthorized access to credit file, failure to provide notice of negative information. Denial of credit, increased interest rates, emotional distress. I am aware that the CFPB has issued a final rule amending Regulation V, reinforcing consumer protections under FCRA. The company 's failure to comply with these provisions is not only harmful to me personally but undermines the intent of these federal protections. 

I request a full investigation and ask that the furnishing entity provide documentation, such as billing statements, to support the reported late payments. If they can not provide this evidence, I request that the information be corrected to reflect my actual payment history. I also request to have only XXXX XXXX ; XXXX XXXX XXXX ; and XXXX XXXX XXXX XXXX to reflect on my credit profile. The only address associated with me is XXXX XXXX XXXX XXXX XXXX, GA 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 2025-10-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
During the period of XX/XX/XXXX XXXX XX/XX/XXXX my family experienced an unexpected medical emergency. My wife was XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and as a result, I faced significant emotional and financial hardship. She had to step away from work to recover and we had lots medical expenses, including a temporary loss of income. 

Unfortunately, this difficult time led to several late payments on my account, which were never a reflection of unwillingness to pay, but of the severe circumstances my family was facing. Since then, my financial situation has stabilized, my payments are back on track, and Ive remained in good standing. I paid XXXX XXXX balance is XXXX and Capital one Im in good standing. Im kindly requesting that XXXXXXXX XXXX Capital one bank and the credit bureaus consider a goodwill deletion of these 5 late payment notations to support my financial recovery.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX Subject : XXXX XXXX Formal Complaint Regarding Inaccurate Reporting of Closed XXXX  Account XXXX XXXX To : XXXX XXXX  Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB Representative, XXXX XXXX I am writing to file a formal complaint regarding inaccurate and inconsistent reporting by the credit bureaus XXXX XXXX Experian, Equifax, and TransUnion XXXX XXXX for an account under the name XXXX XXXX XXXX XXXX XXXX account number beginning in XXXX XXXX XXXX XXXX XXXX 

Each bureau is reporting XXXX XXXX different numbers of late payments XXXX XXXX for this same account, which is a clear violation of my rights under the XXXX XXXX Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( A ) XXXX XXXX This section requires all furnishers of information to ensure that what they report to credit bureaus is XXXX XXXX complete and accurate XXXX XXXX Reporting inconsistent late payment data across bureaus is considered XXXX XXXX false and misleading XXXX XXXX reporting. 

Additionally, this account has been XXXX XXXX  closed by the creditor XXXX XXXX, yet it continues to show XXXX XXXX incorrect remarks and negative indicators XXXX XXXX  that are damaging my credit standing. Under XXXX XXXX FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] XXXX XXXX credit reporting agencies are required to maintain XXXX XXXX  maximum possible accuracy XXXX XXXX of the information they include in consumer reports. 

Furthermore, as a consumer, I retain the right under XXXX XXXX FCRA 609 and 611 [ 15 U.S.C. 1681g1681i ] XXXX XXXX to dispute and request deletion of any information that can not be verified or is being reported inaccurately. The inconsistent reporting of this XXXX account violates these provisions and demonstrates the failure of both the creditor and the credit bureaus to meet their legal obligations. 

Given these violations, I respectfully request that the XXXX XXXX  CFPB investigate XXXX XXXX this matter and instruct XXXX XXXX XXXX XXXX XXXX and all three credit bureaus Equifax, Experian, and TransUnion to XXXX XXXX remove this inaccurate account information XXXX XXXX from my credit reports immediately. 

Please confirm receipt of this complaint and provide updates regarding the investigation and corrective action. 

Thank you for your time and attention to this matter. 

XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: CA

Complaint narrative:
I formally dispute certain listings on my profile that reflect accounts opened without my consent. Kindly investigate thoroughly and delete them. Relevant evidence is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Upstart Holdings, Inc.
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I have never opened an account with this company, LVNV FUNDING LLC. The following accounts are being falsely reported under my name. 

First account - XX/XX/XXXX - {$2800.00} Second Account - XX/XX/XXXX - {$1100.00} Third Account - XX/XX/XXXX - {$620.00} Fourth Account - XX/XX/XXXX - {$490.00} 15 U.S.C. ss 1681i ( Section611 ) 15 U.S.C. ss 1681s-2 ( a ) & ( b ) Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. ss 1681i and 1681s-2, I am disputing the accuracy of the information being reported by LVNV Funding LLC . This company is incorrectly identifying itself as the original creditor, which is false and misleading. 

Pursu

ant to ss 1681i ( Section 611 ), and under ss 1681s-2 ( a ) ( 1 ) ( A ). I request that these accounts be verified with the actual original creditor, and that all inaccurate or unverifiable information be deleted from my credit report. If LVNV Funding LLC can not provide copy of original contract, an agreement bearing my wet ink signature- not XXXX, or electronically produced, Chain of Title, bill of sale, transfer agreement giving them the right, evidence that everything is being reported properly under state and federal law, including who the original creditor is. Date of last payment, and account date of opening. 

Until such a dispute is verified, these accounts must be marked as " DISPUTED '', under the law. Continuation of reporting on these accounts are in violation of the ( FCRA ). If they attempt to sell this debt to another collection agency. I will hold them both accountable under violating, ss 1692e ( 8 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: TX

Complaint narrative:
Today, XX/XX/year>, I discovered that my long-standing credit card account of more than 12 years had been closed without prior notice from the company. The account had always been in good standing, with no missed payments, delinquencies, or derogatory remarks. 

When I contacted the companys customer service department to inquire about the closure, I was told that the account had been closed due to inactivity. However, I was never notified in advance that the account was at risk of closure for inactivity, nor was I given an opportunity to keep it open. 

I requested a written explanation outlining the specific reason for the closure and any notice that was allegedly sent prior to the decision. As of this filing, no written explanation has been provided. 

This sudden and unexplained closure has negatively impacted my XXXX XXXX. I am requesting that the company reopen or reinstate the account given the lack of prior notice and my spotless payment record.

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 2025-10-08 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: IL

Complaint narrative:
XXXX XXXX I submitted a security freeze request to XXXX via certified mail XXXX XXXX XXXX XXXX XXXX]. I included:XXXXA completed XXXX Security Freeze Request Form (as provided by XXXXA recent proof of address documentXXXXXXXXA clear copy of my Social Security card, as required for identity verificationXXXX received my freeze request and subsequently sent me a rejection letter dated XXXX, claiming I did not include a clear copy of my SSN card. This statement is inaccurate. A clear copy of my SSN card was included in the original mailingXXXXUnder the Fair Credit Reporting Act, XXXX is legally required to process a security freeze when a consumer provides sufficient proof of identity. I fully complied with their stated requirements, and their rejection appears to be unjustified and obstructive of my rights under federal lawXXXXI am submitting this complaint because XXXX has failed to process my freeze in a timely and lawful manner. This delay may expose me to additional identity theft and credit risk, and it places an unfair burden on me as the consumer.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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 affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, I used my debit card to purchase two XXXX XXXXXXXX " GIFT CARDS '' off XXXX 's website for {$90.00} dollars each totaling {$180.00} dollars. 
See attached images. 

What I got in return was two XXXX XXXXXXXX " GIFT CERTIFICATES '' which was NOT the title that i purchased. 
I did not know this until I reached out to XXXX XXXX to apply the so called GIFT CARDS to my newly purchased cruise. I followed the instructions that was on the XXXX website and I read ALL of the terms and conditions. There are XXXX issues with these XXXX gift cards. 

XXXX- It is falsely represented as GIFT CARDS They are NOT GIFT CARDS, They are GIFT CERTIFICATE that can ONLY be used towards the COST of a new cruise, it can not be used for ANYTHING ELSE. That is never mentioned in the terms and conditions. It has the XXXX XXXX NOT indicating that it could or could not work. XXXX XXXX GIFT CARDS work for everything on XXXX XXXX but XXXX 's headline says these are GIFT CARDS. 

XXXX - no where in the terms and conditions ( see attached image again ) that it stated that you CAN NOT use these for a new cruise IF the cruise had a Casino promotion, which is how I booked my Cruise. If I read that you CAN NOT use this if you booked a cruise using a CASINO Promo, then I would have never bought it because it is USELESS and I am unable to use it for ANYTHING. 

I reported this to Bank of America to dispute because I could not get ahold of ANYONE at XXXX. my billing dispute was denied and will not let me appeal or speak on my case as I am now. After googling to see if this happened to anyone else, there was a LONG list of people that this had happened to and yet still XXXX sales them and does not UPDATE any verbiage that this is a GIFT CERTIFICATE, not a GIFT CARD

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