vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I am submitting this complaint regarding Mazda Financial Services continued furnishing of inaccurate and internally inconsistent account information, including erroneous 60-day delinquency reporting and an incorrect payoff date, despite the account having been paid in full. 

Details of the Issue 1. Erroneous 60-Day Late Payment Reporting Mazda is reporting 60-day late payments that are not supported by the payment history shown in the consumer payment portal. The payment records do not reflect missed payments consistent with the reported delinquencies, indicating inaccurate reporting. 

2. Incorrect Payoff Date The account was paid in full on XX/XX/year>, yet Mazda continues to report payment activity and delinquency after that date. This is factually incorrect and inconsistent with the accounts paid status. 

3. Internal Ledger Inconsistencies Mazdas internal ledger conflicts with the consumer-facing payment history. The discrepancies between the two systems demonstrate unreliable data handling and inaccurate furnishing to credit reporting agencies. 

4. Failure to Correct After Notice Mazda has been notified of these inaccuracies through disputes and supporting documentation but has failed to correct the errors, constituting a failure to conduct a reasonable investigation under the Fair Credit Reporting Act. 

Mazdas continued reporting of unverifiable 60-day delinquencies and incorrect payoff information has caused ongoing harm and reflects a failure to maintain accurate credit reporting. I respectfully request CFPB review and corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NE

Complaint narrative:
Account was successfully deleted from credit bureaus when was with the original creditor kohls XX/XX/XXXX. It then ended up with resurgent. I disputed XX/XX/XXXX. Instead of verifying it was then placed with XXXX XXXX XXXX  I disputed them through mail XX/XX/XXXX and also email XX/XX/XXXX. It was then placed with Lvnv funding and being managed by resurgent. They sent the original debt which has already been successfully disputed and deleted. It is now showing on my credit reports without verification, and dates are different in each bureau. Account is being re aged by collector. I am in another dispute with all 3 bureaus, and sent another lengthy dispute to resurgent/lvnv funding llc .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
I am formally requesting that this inaccurate account be deleted from my credit report, as I did not authorize its creation or use. The required documents to support my claim are enclosed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am formally disputing the inaccuracies appearing on my credit report, as they are directly harming my financial standing and overall creditworthiness. Despite multiple attempts to address and correct these problems, the same errors continue to reappear. These repeated inaccuracies are negatively affecting my credit score and limiting my ability to secure financial opportunities.

It is essential that these issues be fully reviewed, investigated, and corrected immediately. If these matters are not resolved promptly, I will have no choice but to pursue legal action for any resulting damages, including seeking compensation for violations of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Product / Service : Navy Federal Credit Union Account Number / Reference : [ XXXX ] Complaint I am formally disputing the accuracy of my XXXX XXXX XXXX ( XXXX ) consumer report. I have reviewed my report and identified inaccurate and unverified information regarding alleged account closures and banking history.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x, you are legally obligated to ensure all information reported is accurate and verifiable. Any reporting of inaccurate or unverifiable information constitutes a willful violation of federal law. 

Specifically, I demand the following actions immediately : 1. Full investigation and verification of all accounts or flags listed under my name or Social Security number.

2. Removal of any unverified, inaccurate, or fraudulent information from all consumer reporting databases.

3. Written confirmation that the disputed items have been removed or corrected.

Reporting unverified or false information violates the FCRA, specifically : - 1681e ( b ) - duty to maintain accurate information - 1681i ( a ) - duty to investigate disputed information - 1681s-2 ( a ) & ( b ) - furnishing inaccurate information to consumer reporting agencies Failure to immediately investigate and remove inaccurate information will leave me no choice but to pursue all available remedies, including : - Filing additional complaints with the CFPB and State Attorney General- Legal action for actual and statutory damages under federal law- Reporting willful noncompliance to regulatory authorities All future communication must be in writing only and sent to the address listed above. 


Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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:
My account with EQUIFAX XXXX  XXXX  was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX XXXX  XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc.
State: VA

Complaint narrative:
I am submitting this complaint regarding a prepaid XXXX-branded gift card that was purchased at a retail store and found to be fully depleted before first use. 

I purchased a prepaid gift card from XXXX and retained the purchase receipt. The card was not registered, activated online by me, or associated with my identity in any way. Approximately XXXX days later, I gave the card to my child. Upon checking the balance for the first time, the card balance was effectively XXXX. 

This indicates that the card number and funds were compromised prior to legitimate use by the consumer. 

When I contacted the cards customer service line to report the fraud, I was directed to an overseas call center and later received an email demanding extensive identity documentation as a condition of investigation or reimbursement. These demands included : Photos of the front and back of the card Government-issued photo identification A selfie photograph holding my ID Purchase receipt, activation receipt, or bank statement I am refusing to provide this information for the following reasons : My identity was never associated with this prepaid card. This was an anonymous retail product, not an account-based financial instrument. My government ID and biometric images are not relevant to determining whether a card was compromised prior to first use. 

The requested documentation is excessive and creates significant identity theft risk, particularly the demand for a selfie holding ID, which constitutes biometric identity data. 

The card issuer or program manager has previously suffered a known data breach. Given that history, requesting high-risk personal and biometric information is unreasonable and unsafe. 

The fraud appears to be systemic and upstream, not caused by consumer error. Prepaid card number compromise prior to purchase or activation is a well-documented issue. 

I have offered to provide reasonable proof of purchase and card details but will not provide government ID or biometric images for an unregistered prepaid card. The company has indicated that failure to comply with these demands may result in denial of the claim. 

I am requesting CFPB review of whether these identity requirements are appropriate, proportional, and lawful in the context of prepaid card fraud, and whether the issuer is improperly shifting fraud liability and data security risk onto consumers. 

I have included a screenshot of the purchases made on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: FL

Complaint narrative:
I am submitting this follow-up complaint regarding fraudulent information on my credit report that remains unresolved, despite my previous complaint filed 30 days ago. I am disputing this information pursuant to 15 U.S.C. 1681c-2 and again request that the fraudulent/unauthorized accounts listed below be blocked or removed immediately. 
I have attached a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days of receiving an identity theft report. However, despite my prior complaint and multiple attempts to resolve this issue directly with TRANSUNION, the following fraudulent accounts remain on my credit report : XXXX XXXX - XXXX These accounts are fraudulent and must be blocked immediately. The continued presence of these accounts is severely damaging my creditworthiness and is preventing me from purchasing a home and accessing essential financial services to support my family and economic stability. 
I have requested verification and copies of contracts related to these accounts from the reporting company, but after more than 60 days, I have received no response. Additionally, these accounts have been removed by other credit reporting agencies due to lack of verification, yet TRANSUNION continues to report them as mine without proper validation. 
I respectfully urge the CFPB to intervene and ensure that TRANSUNION complies with federal law by blocking these fraudulent accounts immediately and providing me with confirmation of such action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Subject : Formal Complaint Regarding Repeat Failure to Honor Marketing Opt-Out Requests I am filing this formal complaint against Capital One for their persistent and willful failure to honor my repeated requests to be removed from their marketing and promotional mailing lists. 

Chronology of Events : XXXX. XX/XX/year> : I contacted Capital One via phone and explicitly requested removal from all marketing communications, specifically physical mailers. I was assured the request was processed but was told it could take " several weeks '' to stop. The mailings never stopped. 
XXXX. XX/XX/year> : Having continued to receive weekly solicitations, I called a second time. I again demanded to be taken off their lists. I was given the exact same assurance. 
XXXX. XX/XX/year> : I am still receiving weekly credit card offers at my home address despite these two direct verbal instructions.

Legal Basis & Demand : This is a clear violation of my privacy rights under the Gramm-Leach-Bliley Act ( GLBA ) and the Fair Credit Reporting Act ( FCRA ). Capital One is failing to provide a reasonable and effective means for a consumer to opt out of marketing solicitations. 

I am now demanding an immediate and permanent removal of my name and address from all Capital One internal marketing databases, affiliate sharing lists, and third-party marketing batches. 

Notice of Intent : I have already initiated the permanent federal opt-out process. If Capital One does not confirm in writing that my data has been purged from their solicitation lists within 15 days, I will seek further legal counsel regarding a private right of action for harassment and privacy violations. I will also escalate this matter to the Office of the Comptroller of the Currency ( OCC ).

Stop sending this mail immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I assert that the inaccurate late payment remarks on my accounts are a violation of 15 USC 1666. I have consistently made my payments on time, and any discrepancies in this reporting are unjust and illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I came back from my trip from XXXX, where there is no service so I dont have access to my phone when I return back to the US . I realize Im seeing some transaction popping up for no reason all 40 charges on my Apple Card and my 5 charges on my XXXX XXXX Apple. Apple said they are not to blame is not coming from Apple XXXX XXXX saying that its coming from Apple wallet I have to deal with XXXX and I have to deal with Apple with 45 charges from XXXX. Apple suggestion to violated my consumer rights was. To contact the merchant to resolve the situation when contacting the merchant the merchant asked me to provide my telephone number on My email address. None is popping up on the record that I even have an account with them so they suggest that I email them so I emailed them an in their investigation. They stated that they can not find any record of me ever purchasing anything from them. I need to go back to Apple because Apple is the one that procession the transactions. Apple credit card is no help. Down to stay back and sit down and violated my consumer rights. so now I am here because the 45 transaction from Apple and XXXX both parties blaming each other no consider to take Apple to court because XXXX is not telling no lies on them. They are responsible for the 40 charges on my Apple Card and 5 charges on my XXXX card. 

Apples credit card violated my consumer rights. The merchant confirmed that I dont have an account, and my phone number isnt picking up any orders from them. However, Apple is claiming a different story. I need Apple to stop lying, or we will take this to court to defend my rights. How can you say my purchase was done by my phone when your system says my phone is in XXXX while Im in XXXX? Who told you that? Just last week, someone accessed my information in XXXX, and you guys just sat there. If I hadnt called you last week to freeze my account, those people would have purchased and then called it my charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX, I called PNC to make my monthly payment through a representative for {$50.00}. They took {$1700.00} instead. I realized they had done this XX/XX/XXXX so I called, and asked them to put that money back into my XXXX  XXXX  account were they took it from. They said they couldn't, but would send a check. I never received the check. I have called them back 2 times after that, talked to a Supervisor, and then to an Executive branch manager. This still has not been resolved, and I continue to get the run around from them them talking {$1700.00} without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax is reporting inaccurate and harmful information on my credit file. I am disputing the following items : XXXX ( account XXXXXXXX XXXX XXXX XXXX XXXX XXXX : The tradeline is reported as Paid with a {$0.00} balance, yet Equifax shows adverse data including a XXXX late payment marker ( around XX/XX/year> ) and the remark Settlement accepted on this account. This information is inaccurate and/or not properly supported by competent, account-level documentation. A paid, zero-balance account should not contain unverified delinquency history or adverse settlement remarks that materially harm my credit profile. 

XXXX ( account XXXXXXXX XXXX XXXX XXXX XXXX XXXX : Equifax is reporting the comments Closed or paid account/XXXX  balance and Accounts closed by credit grantor. The closure narrative is inconsistent across bureaus and appears inaccurate and/or misleading. Equifax must ensure the reporting is complete and accurate. 

I am requesting that Equifax perform a reasonable reinvestigation and require the furnishers to provide account-level evidence supporting any delinquency history and adverse remarks ( full payment history, statements, and the date of first delinquency ). If Equifax can not fully verify the accuracy of the disputed late marker ( s ) and remarks, the disputed information must be corrected or deleted.

Company response to consumer: Closed with explanation