vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: CA

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of accounts and inquiries on my credit file by the XXXX XXXX  credit bureaus : Equifax ( EQ ), XXXX  ( XXXX ), and XXXX  ( XXXX ). I request that these disputes be investigated in accordance with the Fair Credit Reporting Act ( FCRA ), and any inaccurate or unverifiable information be corrected or removed from my credit reports. 
XXXX. Equifax ( EQ ) I dispute the following charged-off accounts listed under my Equifax credit report : Account Name : XXXX  XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$5100.00} Account Name : XXXX XXXX  Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$4200.00} Account Name : XXXX XXXX  Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$12000.00} Account Name : XXXX XXXX  Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$5700.00} Account Name : XXXX XXXX  Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$7200.00} Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$12000.00} Account Name : XXXX  Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  XXXX Account XXXX : XXXX Account Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account XXXX XXXX XXXX Account Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX  Account Number XXXX XXXX Account Date : XX/XX/XXXX Balance : {$12000.00} Account Name : XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$5900.00} Account Name : XXXX  Date Open : XX/XX/XXXX Account Name : XXXX Date Open : XX/XX/XXXX Account Name : XXXX  Date Open : XX/XX/XXXX Account Name : XXXX  Date Open : XX/XX/XXXX Account Name : XXXX Date Open : XX/XX/XXXX Account Name : XXXX  Date Open : XX/XX/XXXX Account Name : XXXX  Date Open : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Issue : Freedom Mortgage misapplied my payments after my loan transferred from XXXX Mortgage, causing inaccurate late reporting to the credit bureaus. 

Details : My mortgage was previously serviced by XXXX XXXX, and my payments were always on time through autopay. 

When the loan transferred to Freedom Mortgage, there was confusion during the transition, and the XXXX payment did not process. 

Starting XXXX onward, autopay drafted my payments on time every month without fail. 

However, instead of applying the payments correctly, Freedom Mortgage applied each months autopayment to the previous month, creating a false delinquency pattern : XXXX autopayment applied to XXXX XXXX autopayment applied to XXXX XXXX autopayment applied to XXXX XXXX autopayment applied to XXXX XXXX autopayment applied to XXXX XXXX autopayment applied to XXXX Because of this misapplication, the loan appeared XXXX month behind even though autopay was running consistently and correctly on my end. 

In XXXX, when I discovered the misapplication pattern, I made a double payment to bring the loan fully current and correct the timeline. 

Despite this correction, Freedom Mortgage continued reporting late payments for months where autopay had drafted the payments on time. These inaccurate late marks have significantly damaged my credit score. 

I filed : A direct dispute with Freedom Mortgage A credit dispute with TransUnion Both were closed without correcting the misapplied payments or updating the bureaus. This violates FCRA 623 ( a ), which requires accurate reporting and correction after notice. 

Requested Resolution : Correct the payment application for XXXX Remove all incorrect late payment reporting Update all three credit bureaus ( XXXX, XXXX, XXXX  ) Provide written confirmation of correction Supporting Information : I can provide bank statements showing timely autopay debits and proof of the XXXX double payment used to bring the loan current.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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 2025-11-13 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 disputing the accuracy of the following accounts listed on my Equifax credit report. These accounts contain discrepancies, and I request that they be reviewed and corrected accordingly. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$260.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$950.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$650.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
They did not serve me properly They contacted Third party people including employer now garnishing wages

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
On XX/XX/year> I went to the ATM machine to withdraw funds of {$30.00} and the ATM ran out of money and did not dispense the {$30.00} but yet I was charged by XXXX XXXX and the ATM company of {$34.00}. I have received a transaction record of the error and forwarded to XXXX app and file a claim to have the funds return to my account. I also called XXXX XXXX, which is the company that is responsible for the ATM machine. I call XXXX XXXX and they have not responded to my complaint nor have they nor can you get in contact with them. just recently XXXX XXXX only refunding me the ATM fees of XXXX dollars and XXXX XXXX not completing the whole amount that was taken out from my account which is {$34.00}. I contacted XXXX XXXX why I have not been refunded for the full amount, which didnt make sense that I had to wait XXXX calendar days which in which they have stated to me that the ATM settles, my funds should have returned to back into my account. I escalated the issue to a supervisor which they have emailed me stealing that I have to wait XXXX calendar days for the rest of the funds to be returned to my account, which is not true. They give me a refund of XXXX dollars and XXXX Cent they can give me the full amount of which the ATM has shuttle and I want my full amount returned back into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-13 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:
I am writing to formally dispute the inaccurate reporting of accounts and inquiries on my credit file by the XXXX XXXX  credit bureaus : XXXX  ( XXXX ), Experian ( EX ), and XXXX  ( XXXX ). I request that these disputes be investigated in accordance with the Fair Credit Reporting Act ( FCRA ), and any inaccurate or unverifiable information be corrected or removed from my credit reports. 
I dispute the following charged-off accounts listed under my Experian credit report : Account Name : XXXX  XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$5100.00} Account Name : XXXX XXXX  Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$4200.00} Account Name : XXXX XXXX  Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$12000.00} Account Name : XXXX XXXX  Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$5700.00} Account Name : XXXX XXXX  Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$7200.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$20000.00} Account Name : XXXX  XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account XXXX XXXX XXXX Account Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX  Account Number XXXX XXXX Account Date : XX/XX/XXXX Balance : {$12000.00} Account Name : XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$5900.00} 1. Experian ( EX ) I dispute the following inquiries listed under my Experian credit report : Account Name : XXXX XXXX Date Open : XX/XX/XXXX Account Name : XXXX Date Open : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date Open : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date Open : XX/XX/XXXX Account Name : XXXX XXXX  Date Open : XX/XX/XXXX Account Name : XXXX XXXX  Date Open : XX/XX/XXXX Account Name : XXXX XXXX Date Open : XX/XX/XXXX Account Name : XXXX XXXX Date Open : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Date Open XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX Date Open : XX/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 2025-11-13 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I applied for credit through Affirm to pay for XXXX XXXX. The deducted payment from my account but never sent to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing a formal complaint against JPMorgan Chase Bank. regarding the failure to deliver a core benefit of my Chase XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX membership cards for my XXXX authorized users. 

Timeline and Facts XX/XX/year> : I contacted Chase to request Priority Pass Select physical cards for my XXXX authorized users ( my parents ). 
The Chase representative explicitly promised that the cards would be shipped via expedited delivery. 
As of todaythree weeks laterno XXXX cards have arrived. 

Repeated Failed Attempts to Resolve Over the past XXXX weeks : I have made dozens of phone calls to Chase. 
Chase agents repeatedly transferred me between unrelated departments, including XXXX XXXX card support, XXXX XXXX support, and the business credit card departmentnone of which handle XXXX. 
No agent has taken ownership or provided a solution, and no escalation team has contacted me back. 

This process has been extremely time-consuming, frustrating, and unproductive. Chase appears to have no internal communication, and no department can resolve what should be a very simple fulfillment request. 

My parents need XXXX XXXX XXXX access for upcoming travel ( Some lounges require for physical XXXX cards ), but they can not use the benefit because Chase failed to send the required physical cards. 

This is a core advertised benefit of the Chase XXXX XXXX XXXX and part of the annual fee covers XXXX XXXX XXXX membership for the primary cardholder and authorized users. By failing to deliver the XXXX cards and failing to resolve the issue after multiple attempts, Chase is not providing the benefits I paid for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-11-13 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: TX

Complaint narrative:
Random Late 60 Days account number : XXXX Account is closed Past due = {$0.00} Then payment status shows Late 60 Days No month-by-month grid, no documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: GA

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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CAPITAL ONE MISHANDLED MY DISPUTE AND VIOLATED THE FAIR CREDIT BILLING ACT I am submitting a NEW complaint separate from my original merchant dispute, because Capital One mishandled the investigation process and violated multiple requirements of the Fair Credit Billing Act ( FCBA ). 

This complaint is not about the hotel service itself this is about Capital Ones procedural failures and improper handling of my dispute.

Summary of What Happened I disputed a {$1800.00} charge ( Card ending XXXX ) for a hotel stay at XXXX XXXX XXXX booked through XXXX. The stay was unsafe, unsanitary, and misrepresented. However, Capital One mishandled the investigation in multiple ways, resulting in financial harm and preventing me from obtaining a refund. 



Procedural Violations & Mishandling by Capital One 1. They refused to accept or review my documentation for over a month.

I repeatedly attempted to submit evidence, and Capital One told me to wait for updates. They did not allow me to upload anything until AFTER they closed the case and re-billed the charge.

2. Capital One closed my dispute weeks before the deadline they gave me. 
Their letter gave me until XX/XX/2025 to respond, but they closed the case on XX/XX/XXXX and again on XX/XX/XXXX before the deadline. 
This is a premature closure and violates FCBA timelines. 

3. They only contacted XXXX not the actual service provider ( the hotel ). 
Capital One accepted a generic response from XXXX rather than contacting the hotel that actually provided the unsafe conditions. This is not a reasonable or complete investigation.

4. They claimed my submitted evidence lacked requested information, even though they never requested anything prior to closing the case.

This statement is factually incorrect and misrepresents their own timeline of actions.

5. They failed to conduct a fair and reasonable investigation.

They ignored photos and documentation of mold, bugs, unsafe conditions, and false advertising. 
They did not review my evidence before denying the dispute. 
Their letters contradict the actual timeline of communication. 

6. Their actions prevented me from getting a refund from XXXX or the hotel. 
Capital One did not tell me to contact the merchant directly until it was too late, and their mishandling caused irreversible financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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:
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