vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: 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 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 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/year>, XXXX XXXX placed an order through my website ( XXXX  ) for an XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The total transaction cost was {$6200.00}. I immediately followed up with emails confirming the order. I also placed a XXXX phone call to confirm the billing and the shipping address, which XXXX XXXX was able to do. On XX/XX/year>, I shipped the ebike. The ebike arrived and was accepted on XX/XX/year>. A few days later, I received notice from Square ( payment processor ) that the payment was being disputed. I provided all documentation to Square. After several weeks, Square sent an email that XXXX XXXX had lost the dispute. Square would not return my {$6200.00} payment. They would not provide any explanation, despite providing proof that XXXXXXXX XXXX had fulfilled their obligation. I am asking the CFPB to step in, review evidence and rule in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> my new debit card from Wells Fargo was stolen from my mailbox and used to make two unauthorized transactions for the amount of {$47.00} at XXXXXXXX XXXX and {$85.00} at XXXX XXXX. I immediately froze my card and reported the transactions to a representative at Wells Fargo, and she set me up with a new card number and provisional credit for both transactions. 

However, on XX/XX/XXXX, both provisional credits were reversed by Wells Fargo and I was informed that my claim was considered closed. The reversal of the provisional credits caused my account to go into overdraft.

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 monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one is withholding my XXXXXXXX XXXX XXXX and is refusing to allow me to use

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aargon Agency, Inc.
State: MD

Complaint narrative:
CFPB Complaint Letter Unlawful Credit Reporting & Misleading Privacy Setting To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXwww.consumerfinance.gov/complaint From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Phone : ( XXXX ) XXXX Date : [ Insert Todays Date ] Subject : Complaint Against XXXX for Reporting to Credit Bureaus Without Notice and Misleading Privacy Option Dear CFPB Complaints Division, I am filing this formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX for what I believe to be violations of the Fair Credit Reporting Act ( FCRA ) and deceptive business practices related to consumer privacy and credit reporting. 

Summary of Complaint : No Notice of Credit Reporting : XXXX or its collection agency reported my unpaid utility account to credit bureaus without providing me prior written or electronic notice, as required under FCRA 1681s-2 ( a ) ( 7 ). I was unaware that my account would be reported, and this failure to notify me directly caused avoidable harm to my credit score. 

Misleading Privacy Setting : I had previously selected the Do Not Release My Information option in my XXXX online account settings. The phrasing of this setting clearly led me to believe that XXXX would not share my data outside of its internal systemsincluding with any third parties, collections agencies, or credit bureaus. 

However, my account was later transferred to a third-party collector and reported to credit bureaus. I received no updated notice, no opportunity to dispute, and no explanation that the privacy setting would not apply to debt collection. 

Legal and Ethical Concerns : This conduct undermines the intent of FCRA, which is designed to protect consumers from undisclosed and unjustified credit harm. 

The unclear privacy language misled me as a consumer, constituting a deceptive practice under federal consumer protection laws. 

As a result of these actions, I have suffered reputational and financial harm without being properly informed or given due process. 

Action Requested : I am requesting that the CFPB : Investigate XXXX credit reporting and privacy practices Enforce penalties or require corrective action for FCRA violations Require clearer disclosures for privacy settings that could mislead consumers about what data can still be shared Facilitate removal or correction of the negative credit entry unless proof of notice is provided I am prepared to provide all documentation, including : XXXX account details Screenshot of my privacy setting selection Credit report entries Correspondence ( or lack thereof ) from XXXX or any debt collectors Thank you for your attention to this matter and for your continued protection of consumer rights. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/XXXX AMOUNT {$2300.00} I CONTACED THE CREDITOR THATS LISTED ON MY REPORT NO RESPONSE AS OF XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Discovering an error indicating a late payment on my account, despite my consistent adherence to payment deadlines, is disheartening. This oversight is generating unnecessary stress, and I urge you to promptly rectify the situation by updating my records accordingly.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Discovering an error indicating a late payment on my account, despite my consistent adherence to payment deadlines, is disheartening. This oversight is generating unnecessary stress, and I urge you to promptly rectify the situation by updating my records accordingly.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this formal complaint pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and in accordance with 15 U.S. Code 1681b Permissible purposes of consumer reports, which governs the legal access and use of consumer credit information. 

I believe that EXPERIAN, XXXX, and TRANSUNION are currently in violation of the FCRA due to the inaccurate reporting of late payments on my consumer credit report. These derogatory marks are not only erroneous, but they also negatively impact my creditworthiness and financial stability. 

The FCRA mandates that consumer reporting agencies maintain the accuracy, fairness, and privacy of information in the files of consumers. According to 15 U.S. Code 1681b, a consumer report may only be provided for certain permissible purposes, and any use or distribution of inaccurate or unverifiable dataespecially without a valid permissible purposecan constitute a violation. 

The current reporting of these late payments is inaccurate and appears to be inconsistent with the standards and protections afforded to consumers under the FCRA. If such information was reported without proper validation or outside of the scope of permissible purpose, this represents a serious breach of federal 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 2025-09-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
Car was totaled on XX/XX/year> XXXX rental car for a week A month later the claim was still open and contacted insurance XXXX for information. 
She had no update. XXXX has been harassing me for information I do not have. 
Contacted title at usaa, spoke with XXXX, XXXX and XXXX who don't have an update either. 
Usaa title is telling me this is my problem not theirs. 
Now 2 months later still no resolution or payoff and have paid XXXX car payments for a car i don't have possession of.

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 2025-09-23 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.

Complaint narrative:
I urgently need help to fix my credit report for a mortgage application deadline in just XXXX weeks. I first arrived in XXXX as a XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. When I tried to apply for a credit card, XXXX informed me there was an issue with my credit report and advised me to contact Equifax. At that time, I did not yet have my XXXX card. On XX/XX/XXXX, I contacted Equifax and discovered my credit file was mixed up with someone elses, so I filed a dispute on XX/XX/XXXX, providing all requested information. However, on XX/XX/XXXX, Equifax said they were unable to locate my credit file. The issue was finally resolved in XX/XX/XXXX. 

In XX/XX/XXXX, I successfully applied for a pre-authorized mortgage and a credit card, but since we had not yet found our dream home, the mortgage authorization expired. I applied for a mortgage again on XX/XX/XXXX. 

On XX/XX/XXXX, my mortgage agent found my credit report was incorrect once again. After contacting Equifax, I was informed my credit report had been merged again with another persons file and was asked to submit a dispute again. I filed the dispute ( Ticket # : XXXX ) with all requested documents, including both sides of my drivers license, SIN letter, and health card, but I have not yet received any update. I have attached my XXXX cardXXXX XXXX XXXX, drivers license, and the erroneous credit report for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: NJ

Complaint narrative:
I am submitting a follow-up to my previous complaint, as there is still unauthorized information on my credit report despite having filed a dispute more than 30 days ago. The information in question continues to be reported by EXPERIAN. 
According to the FCRA ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block within 4 business days any information identified by the consumer as unauthorized when an Identity Theft Report is provided. In my case, I attached my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ), but the agency has failed to comply with this requirement. 
The accounts listed below are unauthorized and do not belong to me : Disputed / Unauthorized Accounts : XXXX  XXXX XXXX XXXX - XXXX I have repeatedly requested verification of contracts and documents supporting these accounts, but after more than 60 days, I have received no response. It is important to note that other credit reporting agencies have already removed the same information for lack of verification, while this one continues to report it. 
This situation is causing me direct and significant harm, as it severely affects my credit score, is preventing me from purchasing a home, and is blocking access to essential financial services necessary for my familys economic stability. 
For these reasons, I respectfully request the intervention of the CFPB to : Ensure the immediate blocking of these unauthorized accounts, as required by the FCRA. 
Provide me with written confirmation of the removal of this information from my credit report.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: MD

Complaint narrative:
This record of a late payment appears to be an isolated and uncharacteristic error. I ask that it be eliminated and my account corrected to reflect my typical payment practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a notification the morning of XX/XX/year> that a hard credit inquiry had been made with my social security number with Capital One. I immediately called Capital One to inquire and someone had used my name and social security number to apply for a credit card with them. The account had been approved. After speaking at length with their Fraud department, they were unable to access the account because they used a different address, birthdate and phone number to create the account. I was told by Capital One 's fraud department that in order for them to access the account, I would need to report it to XXXX  first and then XXXX  would report to them that it was fraudulent so they'd be able to access the account. This makes no sense to me since I was able to provide verification of my identity. 

I have since frozen my credit with all three credit reporting agencies and have filed a report with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: MD

Complaint narrative:
On XX/XX/2025, I discovered multiple fraudulent accounts on my credit report that were opened without my knowledge or authorization. I filed FTC Identity Theft Report # XXXX and a police report with the XXXX XXXX XXXX XXXX XXXX ( Temp Case # XXXX ). I have provided all documentation required under FCRA 605B and FACTA requesting these fraudulent accounts be blocked. These accounts are the result of identity theft, not my financial behavior. Any negative information related to them is inaccurate and should not be considered in evaluating my creditworthiness.

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 2025-09-23 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: MD

Complaint narrative:
On XX/XX/2025, I discovered multiple fraudulent accounts on my credit report that were opened without my knowledge or authorization. I filed FTC Identity Theft Report # XXXX and a police report with the XXXX XXXX XXXX XXXX XXXX ( Temp Case # XXXX ). I have provided all documentation required under FCRA 605B and FACTA requesting these fraudulent accounts be blocked. These accounts are the result of identity theft, not my financial behavior. Any negative information related to them is inaccurate and should not be considered in evaluating my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Despite a reinvestigation processed by XXXX  in XX/XX/2025, the tradeline remains inaccurate and incomplete : Reporting of late payments without documentation or validation. 
Foreclosure remark without proof of legal action or compliance with foreclosure laws. 

This reporting violates FCRA standards for completeness and accuracy. I have attached the highlighted portion of my credit report that demonstrates these issues. I request that the CFPB assist in having this tradeline deleted or the foreclosure remarks removed because this account was never in foreclosure and this credit reporting is erroneous.

Company response to consumer: Closed with explanation