vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: OH

Complaint narrative:
I was charged {$48.00} by XXXX. They claimed to issue a refund of {$39.00} on XX/XX/year>, but I never received it. Their own email shows they only refunded {$39.00}, which is not the full amount I paid. I attached a PDF file with all the proof payment receipt, refund email, and screenshots from their store. I am requesting a full refund of {$48.00}, not a partial amount. Please review this casecashapp denied my claim, this is not resolved. I canceled the order once I realized on XXXX it was a dup company. I havent received a refund at all. I dont know how cashapp denied my claim, when proof was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
I sent the company Affirm my police report and Identity theft report and they say they confirmred that I own the account with no reasoning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CarMax, Inc.
State: FL

Complaint narrative:
I am receiving repeated and disruptive phone calls from CarMax on a line I use for both business and personal purposes. I have explicitly requested that they refrain from calling during business hours, as these calls interfere with my ability to conduct work. Despite this, they continue to call multiple times per week, often placing XXXX to XXXX calls per day until I answer. 

CarMax has offered to add me to their XXXX XXXX XXXX list, but that is not what I requested. I do not want to stop all communication. I simply asked that calls be restricted to non-business hours. I want to continue receiving important notices, such as a warning about repossession or other serious account changes. Each time I request this boundary, they say they will " notate the account '' but cite auto dialer limitations. 

Even after making partial payments, calls resume within a day or XXXX if the account is still not current. Ive expressed that this frequency is distressing and that I consider it harassment. Additionally, Ive been pressured to schedule future payments, even when I explained that I was uncertain whether funds would be available. 

Another concern is that CarMax restricts access to online account information when an account becomes 75 days past due, including the ability to view balances, statements, or make online payments. This is particularly troubling because Ive received inconsistent or incorrect information from their phone agents. For example, I was once told my account was more months past due than it actually was. 

They have also sent misleading or mistimed email communications. In one case, I received a notice of intent to repossess just one hour after making a payment creating confusion and emotional stress.

I believe these actions may violate consumer protection standards under the Telephone Consumer Protection Act ( TCPA ) and potentially other fair debt collection practices. Im submitting this complaint so that the matter can be reviewed and addressed appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 XXXXXX/XX/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 2025-08-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
About a month ago Equifaxs credit file for me abruptly reverted to data that is roughly a year old. The file now shows only XXXX credit-card accounts instead of the XXXX or more that were present before, and the payment histories for the XXXX remaining accounts are incomplete. 
My current residential address - used by all of my creditors since I moved XXXX months ago - has disappeared and been replaced with my prior address. Because of these missing tradelines and the obsolete address, Equifax is reporting a credit score in the XXXX, while TransUnion and Experian both show scores well above XXXX. 

While inspecting the file I also discovered that the security freeze I had placed on my Equifax report was inexplicably removed without my authorization, and that my date of birth is now wrong ( the month and day have been swapped ). The unauthorized unfreezing increases my risk of identity theft, and the incorrect birth date further undermines the accuracy of the report.

Equifaxs online dispute portal does not let consumers report " missing account '', " missing address update '', " freeze lifted '' issues directly.

I therefore opened a dispute on one of the still-visible accounts and described all of these problems in the comment box.

Equifaxs written response merely refreshed that single account and closed the dispute, ignoring the missing accounts, the incorrect address, the lifted freeze, the wrong birth date, and the distorted score. 

I also submitted a separate complain related to the birth-date issue, but did not resolve the response yet. 

I further emphasize that during the past XXXX months I have opened no new credit accounts, applied with no new lenders, and authorized no hard inquiries. These errors therefore can not stem from a newcomers reporting mistake. All of my existing creditors continue to furnish accurate data to the other nationwide bureaus, whose files show no comparable issues. 
The inaccurate report is already harming me by misstating my creditworthiness and exposing me to adverse decisions from lenders, insurers, and employers. Equifaxs failure to investigate all items raised in my disputeand its inability to accept disputes for missing or altered dataviolates 15 U.S.C. 1681i ( a ) and 1681e ( b ).

As initial evidence I have attached below the dispute results that Equifax sent me in response to my first complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: MA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: MA

Complaint narrative:
Equifax is reporting a XXXX late payments for my XXXX XXXX accounts XXXX * * * * and XXXX * * * * in XX/XX/year>, which are inaccurate. Both Experian and TransUnion report that same payment as on time, proving Equifaxs entry is wrong. 

I submitted a dispute with Equifax and attached proof, including a screenshot showing all three reports. This violates the Fair Credit Reporting Act ( FCRA ) : - FCRA 1681e ( b ) : Equifax must ensure maximum possible accuracy in credit reporting.

- FCRA 1681i ( a ) : Equifax must reinvestigate and delete unverifiable or inaccurate data.

- FCRA 1681s-2 ( b ) : The furnisher must correct and notify all CRAs if the data is inaccurate. 

This is actively harming my credit. I am requesting that the inaccurate late payment be permanently deleted and the account be updated to show it was paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX I had an MRI  at XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, PA. 
I was informed I would receive a 20 % discount if I was to pay my co-payment balance in full at the time of service. 
After attempting to pay my co-payment, I was told there was no one available in billing to accept my payment and I could make it at a later date and still receive the discount. On XX/XX/XXXX I went in person to XXXX XXXX XXXX XXXX to pay my MRI balance in full. I was quoted that I would owe {$80.00} to satisfy my balance with the 20 % discount. I made this payment in full with my XXXX. On XX/XX/XXXX I received a bill ( account # XXXX ) for the amount of {$100.00} for date of service XX/XX/XXXX. I called the customer service number ( XXXX ) on XX/XX/XXXX at XXXX XXXX During this call, I explained I had paid the balance in full previously in person. 
The customer service agent confirmed there was a {$0.00} balance. I requested that an accurate statement showing my {$0.00} balance be sent to me. I never received my updated statement. On XX/XX/XXXX I received a letter from Capio Partners a debt collector ( Original Creditor Ref # XXXX ) ( Capio Account # XXXX ) showing I owe a debt of {$100.00} for services at XXXX XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX I requested to dispute the amount of {$100.00} by sending an email to XXXX as instructed. I requested an accurate itemized statement, payments made on the account, and a debt validation letter from Capio Partners. I have not received any of the requested information to date. Additionally, I have sent emails to Capio Partners at XXXX requesting a response to my dispute and verification that they have received my dispute and how to proceed. I have sent emails on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have not received a response from Capio Partners.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: MA

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within XXXX ( XXXX ) business days. 


The following information on my credit report is the result of identity theft and must be frozen : XXXX XXXXXXXX XXXX XXXXXXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of XXXX year, after which I may request an extension. During this time, no information may be reported. 
I have contacted EXPERIAN multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than XXXX  days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

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 2025-08-04 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:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-04 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: EQUIFAX, INC.
State: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
I am disputing an account reported by Velocity Investments LLC that appears on my credit report. I do not have any account with Velocity, and when I called them on XX/XX/year> ], they confirmed there is no account under my name in their records. 

Therefore, this account is inaccurate and can not be verified by the furnisher, which is a violation of the Fair Credit Reporting Act ( FCRA ), 611 ( 15 U.S.C. 1681i ). I am requesting an immediate reinvestigation and permanent deletion of this tradeline from my credit report. 

Please send written confirmation of the results of your reinvestigation within the required 30-day timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Dear CFPB agent, On XX/XX/XXXX, I booked a rental car from XXXX car rental through the travel portal of Capital One credit card and paid {$290.00}. But when the rental finished in XXXX, I was overcharged by XXXX  by {$60.00}. The response from XXXX was " '' Regarding the amount you prepaid, XXXX  only receives a portion of the payment you make. In your case, XXXX received {$220.00} the difference in what you prepaid would be something to address with Capital One. ", and later XXXX provided a receipt showing XXXX  only received {$220.00} from Capital One. 

I have spent 10s of hours talking to various departments of Capital One and asked for a cash refund of {$60.00} from Capital One, but so far the issue has not been resolved. 

Here are supporting documents : XXXX. Document XXXX ( Your rental car reservation details_ XXXX ) : I paid {$290.00} to Capital One XXXX on XX/XX/year> XXXX. Document XXXX ( XXXX Mail - XXXX XXXX XXXX XXXX - XXXX  - Agreement for XXXX XXXX XXXX ) : Receipt from XXXX of a total charge of {$410.00} on XX/XX/year> XXXX. Document XXXX ( XXXX-Charge.pdf ) : XXXX charged {$180.00} to my Capital One XXXX XXXX. Document XXXX ( XXXX Mail - XXXX Response.pdf ) : XXXX 's response on XX/XX/XXXX says : " Regarding the amount you prepaid, XXXX only receives a portion of the payment you make. In your case, XXXX  received {$220.00} the difference in what you prepaid would be something to address with Capital One. The amount paid to XXXX  either directly or from your prepaid amount was a total of {$410.00}. '' XXXX. Document XXXX ( XXXX ) : An XXXX  receipt shows that XXXX only received {$220.00} from Capital One XXXX. 

So my Capital One Card was overcharged by {$290.00} + {$180.00} - {$410.00} = {$60.00}, which is exactly the difference between what I was charged by Capital One and what XXXX  received from Capital One : {$290.00} - {$220.00} = {$60.00}. 

Thus my Capital One should refund me {$290.00} - {$220.00} = {$60.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-04 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: GA

Complaint narrative:
There are several inaccuracies on my credit report that I have asked for original documents for verification

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 2025-08-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There are several inaccuracies on my credit report that I have asked for original documents for verification

Company response to consumer: Closed with non-monetary relief