vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
I XXXX XXXX born on XX/XX/XXXX have a credit card from DISCOVERC # XXXX, and auto loan from XXXX XXXX XXXX  FL # XXXX under my social security number # XXXX and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my XXXX  day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX, and DISCOVERC # XXXX and XXXX XXXX XXXX XXXX # XXXX with no successful resolution. XXXX XXXX XXXX XXXX reporting me XXXX days late in XX/XX/XXXX for DISCOVERC # XXXX and XX/XX/XXXX for XXXX XXXX XXXX XXXX XXXX XXXX. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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:
I am writing to raise a concern about a reported late payment that is inaccurately affecting my credit report. Upon reviewing my records, I found that the payment was processed ahead of the scheduled due date. This late mark is damaging to my credit and inconsistent with the facts. I respectfully request an investigation and removal of the error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
In XX/XX/2019, I opened up a secured account with Bank of America. I made an initial deposit of {$500.00} in which was held secured for a {$500.00} line of credit. It was stated that upon making the payments, the transactions would be reported to the credit bureaus and after completing the terms, the {$500.00} would be returned to me. However, Bank of America did not return my funds and reported the account as a charge of. Furthermore, I have contacted them numerous times in an attempt to resolve this matter but to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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 would like to file a formal dispute for a hard inquiry that has been wrongfully recorded on my credit report. This inquiry does not correlate with any action I have taken, and I have no knowledge of its origin.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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 bring to your attention a reporting error involving a late payment that does not align with my documented payment history. I have never paid this account late and can confirm this through multiple sources. As this entry is damaging to my credit report and overall financial credibility, I kindly urge you to re-examine the reported data and remove the inaccurate late payment from my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: UT

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: IL

Complaint narrative:
Through this complaint, I am reporting accounts listed on my credit report that I did not authorize or recognize. I did not initiate these accounts and am unaware of how they were added. Under the protection of USC 1681g, I am requesting that they be removed within 15 days. Attached are supporting documents for your review. Its also worth noting that the reporting across credit bureaus is inconsistent and contains errors, further casting doubt on the legitimacy of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: IA

Complaint narrative:
I received my credit report and was completely confused on the inaccurate accounts and information found. I a, taking all the proper steps to clear this unfortunate mishaps on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: MA

Complaint narrative:
I have requested to get a check up to see if I authorized a purchase and they let some unauthorized purchases go thru. When you complain about situation, the rules change.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
b'I closed on my home today today.   The title agency sent a wire transfer oXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Federal reference number was issued.    I called Chase 5 times from XXXX XXXX  I was advised that my transfer had not been received by Chase.  I offered them the XXXX  number and they refused to utilize it as per XXXX  their representative advised me that they can  or do anything until its pending.   The fact is according to XXXX  the transfer was received  and it was not returned or denied by Chase.   After 2 1/2 hours on call, I was advised by their wire investigation team that they did indeed receive the transfer five hours later its still not been denied nor sent back but rather they advised me that my particular type of checking account did not allow wire transfers I could not change the type of checking account And the money would be returned in one to two business days. In addition to that I tried to deposit a check that was drawn on a JP Morgan Chase account for XXXX  to which they immediately placed a hold on it and then after speaking to a customer service supervisor they release the whole but the check wont be processed for another 21 to 2 business days. I have XXXX  to spend going into the weekend yet. Chase has over XXXX of mine and I cannot access it for one to two business days and Chase knew this wow business hours were being conducted and I had time to correct this and I had time to get the money denied and sent back to the title agency so that we could deposit it in the correct account And speaking to the title agent the attorney my real estate agent. This is very common for Chase of all the people that I spoke to today four different representatives was not aware of Chase policy could not provide policy to me. Told me that my original checking account information would have that policy However Ive been a Chase customer for 25 years. What are the chances of me retaining that information and honestly in 25 years, this is the first time I needed a wire transfer. Chase deliberately did not release my money from the wire transfer and send it back to the title agency. Its still not five hours later and will not be returned until one to two business days, which will be Monday or Tuesday. Thats unacceptable. Chase should be held accountable for not providing clear understanding of the types of checking accounts. also they should be held accountable for not returning the money transfer for not advising me that they had received it even after I offered them the federal account number the federal reference number they refused to utilize that they refuse to research it and literally it wasnt until I talked to the escalation team that they were able to help me understand what was going on locate the money, but of course that was after business hours.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
On XX/XX/year>, my SoFi credit card was compromised by an unauthorized party in XXXX, resulting in fraudulent charges totaling {$1100.00}. I reported the incident to SoFi customer service immediately, and a ticket was created. Despite several follow-ups, I was told the resolution could take up to 90 days, so Ive been waiting patiently.

However, after more than 80 days, I called againonly to learn the original ticket had been closed without any notes or resolution. A new ticket was created, and the representative apologized, but in the meantime, my account continues to accrue late and interest charges. I requested that these charges be removed, but instead, I was repeatedly advised to make minimum payments.

Other credit card providers typically apply a temporary credit for fraudulent charges to prevent additional penalties while the matter is investigated. SoFis approach does not align with standard banking practices, and the lack of support is concerning.

To make matters worse, my SoFi debit card was hacked yesterday by someone in XXXX, who made five unauthorized XXXX XXXX XXXX purchases. These repeated breaches raise serious concerns about the overall security of SoFis systems, and I am increasingly uneasy about continuing to bank with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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:
I am reaching out to dispute several accounts on my credit report that I did not open. These are unauthorized and fraudulent. I had no involvement in their creation, and they do not reflect any of my financial activities. As required by 15 U.S. Code 1681g, I request the prompt deletion of these accounts within 15 days. Documentation is provided to verify my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I recently deposited a check using the Capital One mobile app for the first time, after seeing their advertising that promises quick, easy access and that funds generally hit your account by the next business day.I chose to use mobile deposit after work to speed up the process, and received an email from Capital One stating the funds would be available in one business day. However, shortly after depositing, I was informed the check would be placed on hold for six business days.I called Capital One customer service at XXXX XXXX and explained my situation. I even offered to provide my employers contact information to verify the check, but I was told there was no way to expedite or resolve the hold. No meaningful explanation was provided.This delay contradicts Capital Ones own claims about faster mobile access and was not clearly communicated in advance. If there are different rules for first-time users, that should be made clear in their marketing or within the app before deposit.The delay has caused financial stress.I was scheduled to pay a portion of the rent for my new apartment this week and cover bills I can no longer pay on time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Date : XX/XX/year> I am writing to formally dispute fraudulent information that is being illegally reported on my credit report. The following accounts are not mine and were not authorized by me in any form. I am a victim of identity theft, and these entries are damaging, inaccurate, and must be removed immediately : XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX {$480.00} I have reviewed my credit file and discovered these accounts falsely listed under my name. Despite being marked as verified, I have never received any valid proof of investigation or verification. I did not initiate, authorize, or benefit from these accounts, and no documentation has been provided that proves otherwise. 

Under 15 U.S. Code 1681c2, part of the Fair Credit Reporting Act ( FCRA ), I am invoking my legal right to request the immediate block and removal of all information resulting from identity theft. This law mandates that, once I submit a valid identity theft report and dispute the information, the consumer reporting agency must block the reporting of fraudulent information within four business days.

Attached to this letter are supporting documents, including identification and a statement affirming that the above accounts were opened without my consent. 

If these items are not permanently removed from my credit report by XX/XX/year>, I will have no choice but to escalate this matter. This includes filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and taking legal action for failure to comply with federal law under the FCRA. 

This is your opportunity to correct this violation before further legal remedies are pursued.

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