vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: SC

Complaint narrative:
Consumer Reporting Agencies are required to handle credit information fairly and respect every consumers right to privacy. Accurate reporting is essential to the banking system, and unfair or inaccurate reporting harms public trust. I never gave my explicit written consent for these agencies to report my information, which violates 15 U.S.C. 1681b ( 2 ). Because of this, I am now dealing with an alleged case of identity theft, covered under 15 U.S.C. 1681c-2, and the accounts listed are not connected to any transactions made by me.

Additionally, the debt collector involved has violated the Fair Debt Collection Practices Act ( FDCPA ). They violated 15 U.S.C. 1692f by attempting to collect amounts not authorized by any agreement or by law. They also violated 15 U.S.C. 1692e by using false, misleading, or deceptive methods to collect a debt or obtain my information. On top of that, they have contacted me at inconvenient times and have harassed me about a debt that is not mine, which is strictly prohibited. THE FOLLOWING ACCOUNTS ARE NEED TO BE REMOVED :
MOHELA - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. - Please remove.XX/XX/XXXX Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. - Please remove. KIKOFF - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my cr
edit score. Please immediately delete this item. - Please remove. 

XXXX XXXX XXXX XXXX - Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. - Please remove this from my credit report. 

XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized- Please Remove XX/XX/XXXXXX/XX/XXXX - This inquiry was not authorized- Please Remove XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized- Please Remove

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Consumer Reporting Agencies are required to handle credit information fairly and respect every consumers right to privacy. Accurate reporting is essential to the banking system, and unfair or inaccurate reporting harms public trust. I never gave my explicit written consent for these agencies to report my information, which violates 15 U.S.C. 1681b ( 2 ). Because of this, I am now dealing with an alleged case of identity theft, covered under 15 U.S.C. 1681c-2, and the accounts listed are not connected to any transactions made by me.

Additionally, the debt collector involved has violated the Fair Debt Collection Practices Act ( FDCPA ). They violated 15 U.S.C. 1692f by attempting to collect amounts not authorized by any agreement or by law. They also violated 15 U.S.C. 1692e by using false, misleading, or deceptive methods to collect a debt or obtain my information. On top of that, they have contacted me at inconvenient times and have harassed me about a debt that is not mine, which is strictly prohibited. THE FOLLOWING ACCOUNTS ARE NEED TO BE REMOVED :
MOHELA - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. - Please remove.XX/XX/XXXX Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. - Please remove. KIKOFF - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my cr
edit score. Please immediately delete this item. - Please remove. 

XXXX XXXX XXXX XXXX - Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. - Please remove this from my credit report. 

XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized- Please Remove XX/XX/XXXXXX/XX/XXXX - This inquiry was not authorized- Please Remove XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized- Please Remove

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 2025-12-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Could you go through this entry? I did it late and it may be flawed.

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 2025-12-08 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 am not tied to these accounts and request their deletion within XXXX days per Fair Credit Reporting Act rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
Cash app refused to cancel a transaction after being reported for fraud with the police, the banks, and the fraud department. They fid not acknowledge the person stile my identity to send themselves money. They claimed they saw a relationship from no other transactions being made and the dispute was denied. My bank has taken over the dispute and the police are now pressing charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am filing a complaint because Comenity Bank is reporting inaccurate and incomplete information to the credit reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2.

This account was paid/satisfied, yet the company continues to furnish derogatory information that is factually incorrect and inconsistent across all three credit bureaus. 
Specific inaccuracies include : Payment status is reported as collection/charge-off even though the balance is {$0.00} and the debt was paid The credit limit is inaccurately reported as {$0.00}, which violates XXXX reporting standards for revolving accounts Reporting dates do not match between bureaus ( XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX different dates entirely ) Comments conflict : purchased by another lender, account transferred or sold, and unpaid balance reported as loss, even though the account is paid Date of Last Activity and Date of Last Payment are inconsistent These inconsistencies violate FCRA 1681e ( b ), which requires furnishers to report accurate and complete information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a 2 ( A ) ( i ). I believe the company is in clear violation of the law due to inaccurate reporting of late payments on my credit report.

According to 15 USC 1681a 2 ( A ) ( i ), accurate reporting is paramount to the fairness and transparency of the credit reporting system. Bureaus reporting of late payments is not only inaccurate but also damaging to my creditworthiness. 


I kindly request that the CFPB investigates this matter thoroughly and takes appropriate action against EXPERIAN, XXXX  AND XXXX for the violations of the FCRA. I am also seeking assistance in rectifying the inaccuracies on my credit report, including the CORRECTION of any derogatory information resulting from the inaccurate reporting. 

Thank you for your attention to this matter, and I appreciate the CFPB 's efforts in ensuring fair and accurate credit reporting for consumers.

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 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
XXXX XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code XXXX - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever the38668re 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 2025-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am here to report several inaccurate and fraudulent items that recently appeared in my credit report. There has been a breach and compromise of my personal information, unauthorized accounts, and negative entries that have appeared on my credit report. I did not open these accounts, authorize them, or give any permissible purpose for these inquiries. Here are the accounts listed below with the dates attached. 

Dept of edXXXX XX/XX/XXXX - {$1400.00} Dept of ed/XXXX XXXXXX/XX/XXXX - {$3800.00} Dept of ed/XXXX XXXXXX/XX/XXXX - {$4800.00} Dept of ed/XXXX XXXXXX/XX/XXXX - {$2400.00} XXXX XXXX Bank XXXX XX/XX/XXXX - {$5400.00} XXXX XXXX Bank XXXX XX/XX/XXXX - {$6800.00} XXXX XXXX XXXX XX/XX/XXXX - {$540.00} Dept of Defense XX/XX/XXXX - {$600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$350.00} XXXX XXXX XX/XX/XXXX XXXX {$450.00}

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 2025-12-08 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: MA

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I request a home equity loan from my credit union to pay off all of my debit and consolidate it. Once the loan was processed, I accidentally paid off my Capital One credit card forgetting that XXXX XXXX was mailing a check directly to them. I called before they got it and explained my mistake. I was told they would cash the check and to call back requesting a refund for the over payment. The check was applied to my credit card on XX/XX/XXXX leaving a credit balance of {$6600.00}. I called that day requesting a refund. They explained they will issue a check in XXXX week. I called the following week and was told my request wasnt processed and I needed to start all over again. After the XXXX request was entered I asked to speak with a supervisor. She told me my original request was processed and the agent made a mistake and has now started the XXXX week waiting period all over again. The supervisor apologized and said she would call me on XX/XX/year> to give me a status. She didnt call me back so on XX/XX/year> I called again to speak with a supervisor for the status. She told me its a big amount and to wait another week even though it had already been a week. I called back today, XX/XX/year> and they again told me they cant do anything and they cant give me any information and there is no one else I can talk to. I need this money for XXXX and my mortgage payment and it is very clear Capital One wants to keep this as long as possible to make interest on my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: TX

Complaint narrative:
Closed my account for no reason and said it was for illegal gambling when they only gambling I did was prizepicks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: United Collection Bureau, Inc.
State: IL

Complaint narrative:
This is XXXX  and I have an important message from United Collection Bureau Incorporated. This call is from a collector. This is an attempt to collect a debt and any information changed will be used for that purpose. Please call XXXX assisted. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
I used the Chime app to pay a vendor for services. The vendor indicated they did not receive payment. I disputed the transaction, and Chime denied my claim because on their end ( and mine ), payment was successfully completed ; however, the vendor indicated there was no credit to their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Aqua Finance, Inc.
State: OK

Complaint narrative:
We were convinced a new water system was the best thing for our family. The representative did a demonstration and we signed a contract. In XXXX we agreed to pay XXXX dollars. Since then we have had to disconnect the water due to overload on our septic and flooding in our garage. We have continued to pay XXXX dollars per month regardless. Some problem occurred with the credit card on file and they contacted us and supposedly the problem was fixed. Since then which was XX/XX/XXXX, we have been called daily. Sometimes they dont even talk when the call is received. I have tried to resolve the issue and even had an employee with a supervisor waive the late fee and was told the problem would be resolved and payments uninterrupted. This weekend they resumed the harassing calls telling me I will have a late fee every month because technically we are behind on payments. This is new information. Asked the supervisor several times what I needed to do to resolve this. She said youll need to pay XXXX plus another late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am filing a complaint regarding TD Banks handling of an unauthorized ATM withdrawal dispute involving {$5900.00} stolen from my account. 

On XX/XX/XXXX, around XXXX XXXX, my wallet and phone were stolen from me in XXXXXXXX XXXX XXXX. When I woke up later that morning and logged into the TD Bank website, I discovered that all of my funds had been withdrawn from my TD Bank accounts through multiple ATM transactions totaling {$5900.00}. 

On XX/XX/XXXX, I went to TD Bank and filed a fraud dispute for the unauthorized ATM withdrawals. This is on top of the fact that a police report was given to the bank to amplify the fact that I did not authorize the transaction. 

On XX/XX/XXXX, I received a denial letter from TD Bank stating the transactions were considered authorized solely because the correct PIN was used at a TD ATM. This reasoning is incorrect under Regulation E. A transaction is not considered authorized simply because the thief used my physical card and PIN after stealing my wallet and phone. 

Because the banks explanation contradicted federal law, I immediately went back to TD Bank and requested that the claim be reopened. While TD did reopen the case, they have taken no additional action other than providing a provisional credit. As of XX/XX/XXXX, I have received no final determination, no explanation of a reinvestigation, and no assurance that the bank is following Regulation E requirements for a proper and timely investigation. 

I did not authorize these withdrawals, I did not provide my PIN to anyone, and my wallet and phone were stolen. The thief had physical possession of my card and was able to access my accounts before I could report the theft. I have complied fully with all requests from the bank.

Company response to consumer: Closed with monetary relief