vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Revolut Technologies Inc.
State: NC

Complaint narrative:
In XX/XX/year>, Revolut unilaterally and without notice closed my Revolut account while I had an active Revolut credit card. At the time of closure, my credit card was current, in good standing, and had never been late or delinquent. 

Following the closure, Revolut has refused to provide any means to continue making payments toward the existing credit card balance. Revolut requires payments to be made exclusively through a Revolut balance, yet by closing my account, they simultaneously eliminated my only repayment channel. When I contacted Revolut, I requested instructions on how to continue making payments. Revolut advised me to withdraw funds and wait six months to appeal, but offered no alternative repayment method ( such as bank transfer, debit card, or ACH ). 

This conduct places me at risk of involuntary delinquency and negative credit reporting, even though I have always made timely payments. Revoluts actions effectively prevent me from fulfilling my contractual obligations and may damage my credit history without any fault on my part. 

I believe Revoluts actions constitute violations of federal consumer protection law, specifically : 1. Unfair Practices ( UDAAP 12 U.S.C. 5531, 5536 / Dodd-Frank Act 1036 ) : By closing my account and denying me any repayment method, Revolut causes substantial injury ( blocked repayment ability, risk to credit ) that is not reasonably avoidable by the consumer and provides no countervailing benefit.

2. Deceptive Practices ( UDAAP ) : Revolut represented that customers could use its credit card product with the ability to repay, yet later denied any reasonable means to make repayment once the account was closed. This is materially misleading and harmful.

3. Potential Violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) : If Revolut were to furnish negative information regarding my account while simultaneously blocking repayment options, such reporting would be inaccurate and unfairly damaging.

I am requesting that Revolut be required to : Provide a valid explanation for the closure of my account.

Immediately establish a reasonable repayment channel outside of the Revolut balance requirement ( e.g., ACH transfer, debit card, or external bank funding ).

Ensure that no negative credit reporting is made against me for payments I was willing and able to make, but which Revolut prevented. 

Revoluts conduct is unfair, deceptive, and abusive under the Consumer Financial Protection Act, and risks serious harm to consumers who are otherwise in compliance with their contractual obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX : XXXX | : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX TransUnion LLC XXXX. XXXX XXXX, XXXX, PA XXXX Re : Formal Dispute of Inaccurate Reporting XXXX XXXX XXXX Account # XXXX To Whom It May Concern, I am disputing inaccurate reporting of late payments and account information for my XXXX XXXX XXXX account. Please see the attached exhibits showing : Late Payments : XXXX XXXX and TransUnion report different months as 30 days late ( XXXX : XX/XX/XXXX, XXXX XXXX  ; XXXX  : XX/XX/XXXX, XXXX XXXX  ; TransUnion : XXXX XXXX, XX/XX/XXXXXXXX  ). This violates FCRA 1681e ( b ), which requires reporting with maximum possible accuracy. 
High Credit Discrepancy : XXXX  and TransUnion list {$580.00}, while XXXX lists {$0.00}, a clear inconsistency that affects my creditworthiness. 
Current Status : Despite these errors, all three bureaus currently show the account as Pays as Agreed / Current, making the past-due notations factually inaccurate and misleading. 
FCRA Violations These errors violate the following provisions : 1681e ( b ) : Duty to ensure maximum possible accuracy.
1681i : Obligation to reasonably reinvestigate disputes.

1681i ( a ) ( 2 ) & ( a ) ( 5 ) : Ban on verifying or reinserting unverifiable data.

1681i ( a ) ( 6 ) ( B ) ( iii ) : Requirement to provide a detailed method of verification. 
Demand for Action I demand the following : Immediate deletion of all inaccurate late payment notations for this account.

Correction or removal of the inconsistent high credit reporting. 
Written confirmation of deletion/corrections and an updated copy of my credit report. 
If you fail to comply, I will escalate by filing complaints with the CFPB, FTC, and Florida Attorney General and seek damages under 15 U.S.C. 1681n for willful violations.

Sincerely, XXXX XXXX XXXX Attachments : Exhibit A Side-by-side bureau screenshots of late payment inconsistencies Exhibit B High credit reporting Uploaded image Uploaded image

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 2025-08-16 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: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX : XXXX | : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX XXXX. XXXX XXXX, XXXX, PA XXXX Re : Formal Dispute of Inaccurate Reporting XXXX XXXX XXXX Account # XXXX To Whom It May Concern, I am disputing inaccurate reporting of late payments and account information for my XXXX XXXX XXXX account. Please see the attached exhibits showing : Late Payments : XXXX, Experian, and XXXX  report different months as 30 days late ( XXXX  : XX/XX/XXXX, XXXX XXXX ; Experian : XX/XX/XXXX, XXXX XXXX ; XXXX  : XXXX XXXX, XX/XX/XXXX ). This violates FCRA 1681e ( b ), which requires reporting with maximum possible accuracy. 
High Credit Discrepancy : Experian and XXXX  list {$580.00}, while XXXX  lists {$0.00}, a clear inconsistency that affects my creditworthiness. 
Current Status : Despite these errors, all three bureaus currently show the account as Pays as Agreed / Current, making the past-due notations factually inaccurate and misleading.

FCRA Violations These errors violate the following provisions : 1681e ( b ) : Duty to ensure maximum possible accuracy.

1681i : Obligation to reasonably reinvestigate disputes.

1681i ( a ) ( 2 ) & ( a ) ( 5 ) : Ban on verifying or reinserting unverifiable data.

1681i ( a ) ( 6 ) ( B ) ( iii ) : Requirement to provide a detailed method of verification. 
Demand for Action I demand the following : Immediate deletion of all inaccurate late payment notations for this account.

Correction or removal of the inconsistent high credit reporting. 
Written confirmation of deletion/corrections and an updated copy of my credit report. 
If you fail to comply, I will escalate by filing complaints with the CFPB, FTC, and Florida Attorney General and seek damages under 15 U.S.C. 1681n for willful violations.

Sincerely, XXXX XXXX XXXX Attachments : Exhibit A Side-by-side bureau screenshots of late payment inconsistencies Exhibit B High credit reporting Uploaded image Uploaded image

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX, I found a US DEPT ED tradeline on my TransUnion report coded Open Account Educational and Derogatory with payment status : Unknown. The entry shows : {$0.00} balance, {$0.00} past due, XXXX XXXX  monthly payment, High Credit {$4300.00}, Date opened XX/XX/XXXX, Last reported XX/XX/XXXX, Date Last Active XX/XX/XXXX, Date of Last Payment XX/XX/XXXX, and the remark XXXX  XXXX bankruptcy. 
This is inaccurate/incomplete and internally inconsistent. TransUnion/furnisher have provided no documentation that this specific loan was ever included in a XXXX  XXXX case ( no bankruptcy schedules listing this account, no DOFD, no itemized ledger/charge-off accounting ). The disclosure also omits the Date of First Delinquency ( DOFD ) needed to code/age the account. 
This violates the FCRA : 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ), 1681i ( a ) ( reasonable reinvestigation ; delete if unverifiable ), 1681i ( a ) ( 7 ) ( method of verification ), and 1681s-2 ( b ) ( furnisher duty to investigate/correct ).

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 2025-08-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
It's been a month since I filed a complaint with these Bureaus, and the wrong info on my report is still there. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they actually looked into the inaccuracies? What did they do to check the accounts? This whole thing is super frustrating, especially since it's been more than 30 days since I reached out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I disputed accounts and inquiries with TransUnion that do not belong to me. They allowed me to file only one dispute, then blocked me from submitting additional disputes until that one is resolved. I requested proof such as signed applications or authorization, but TransUnion has not provided documentation. This has left inaccurate accounts and inquiries on 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 2025-08-17 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: TX

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: TX

Complaint narrative:
XXXXI sent a certified letter to Experian XXXX  with a tracking number XXXX XXXX XXXX XXXX XXXX XXXX via USPS. The letter was received on XXXX. Experian did not reply to my request I proceeded to send another letter dated XXXX which was also ignored. The account I am disputing is with bankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-16 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: DE

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX. XXXX. 
XXXX XXXX, 2025 Consumer Financial Protection BureauXXXX. XXXX XXXX, DC XXXX Re : Complaint Credit Card Debt / Violation of Consumer Rights To Whom It May Concern, I am filing a complaint against BANK OF AMERICA for the reporting and collection of a credit card debt on my credit file. This reporting is inaccurate, unverifiable, and a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

The creditor has failed to provide documentation proving the validity of the debt or their right to disclose and publish this information. The continued reporting of this account is unauthorized and is causing ongoing harm to my creditworthiness. 
I am requesting that the CFPB require the creditor to cease and desist reporting this debt and remove the entry from all consumer credit bureaus ( XXXX, XXXX, and XXXX  ). 
Enclosed are copies of my credit report and identification for verification. 

Thank you for your prompt attention. 
Sincerely, 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 2025-08-16 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$23000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. 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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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 2025-08-16 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:
On XX/XX/year>, I visited a XXXX dealership in XXXX, XXXX. A representative asked for my information and specifically told me they would perform a " soft check '' on my credit. At no point did they inform me that a hard inquiry would be conducted, which would impact my credit score. I provided my information under the understanding that this would only be a soft pull, which does not affect credit scores or appear as an inquiry to other lenders. 

I never gave informed consent for a hard credit inquiry. The dealership 's misrepresentation of the type of credit check they intended to perform constitutes deceptive practice and violates my rights under the Fair Credit Reporting Act. This unauthorized hard inquiry must be removed immediately, as I was deliberately misled about the nature of the credit check being performed. I did not provide informed consent for a hard inquiry, and the dealership used deceptive practices by misrepresenting a hard pull as a " soft check. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 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 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, and MarinerFin ( second entry ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. 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. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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 non-monetary relief
Consumer complaint received 2025-08-16 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: AL

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 ONE 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 explanation
Consumer complaint received 2025-08-16 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: AL

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 ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: IL

Complaint narrative:
Its aXXXX XXXX XXXX account on my credit profile and I never had XXXX XXXX before

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