vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 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:
Equifax is inaccurately reporting my XXXX XXXX  account ending in XXXX. 
For months, Equifax published two different versions of the same account : One with a {$16000.00} balance ( opened XX/XX/year> ). 
Another with a {$14000.00} balance ( opened XX/XX/year> ). 
After multiple disputes, Equifax has now limited the reporting to only the {$16000.00} balance. However, they have failed to correct the original duplicate/conflicting reporting and have mishandled my supporting documentation. 
I submitted an official police report from the XXXXXXXX XXXX XXXXXXXX XXXX, but Equifax : First claimed they never received it. 
Then claimed the police report was not sufficient. 
Even more troubling, during one of my calls, an Equifax representative stated that the same company under the same account can report different information if they use different member numbers. 
This is an outrageous justification. It means a creditor could take a single account number and : Report multiple different balances ; Report conflicting opening dates ; Report the same derogatory item multiple times, each time under a different member number. 
This practice would allow fraudulent and duplicative derogatory information to remain on a consumers report indefinitely, in violation of : FCRA 1681e ( b ) requiring maximum possible accuracy ; FCRA 1681i requiring deletion of unverifiable or duplicate data ; FDCPA 807 ( 15 U.S.C. 1692e ) prohibiting false or misleading representations of a debt ; Fair Credit Billing Act ( 15 U.S.C. 1666 et seq. ) which prohibits creditors from misrepresenting balances or billing consumers inaccurately. 
This inaccurate and duplicative reporting has caused me credit denials, higher interest rates, reputational harm, and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Someone opened an account with Capital one bank with my information and I need it resolved and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Urgent Dispute Incorrect Delinquency Reporting on My Account To Whom It May Concern, My name is XXXX XXXX ( Account Number : XXXX, Phone : XXXX ), and I am extremely frustrated and disappointed with how my account has been handled. My credit score has dropped XXXX points because XXXX XXXX XXXX reported my account as 30 days past due and delinquent. This is completely unacceptable given the circumstances : XXXX. I was given conflicting due date information from XXXX different representatives, which directly caused the confusion. 
XXXX. Your institution waived a past due fee, which acknowledges there was a communication or process error on your end. 
XXXX. Every time I attempted to set up my account with my bank information, the system declined the setup, preventing me from making payments properly. 

Because of these failures, I am now unfairly penalized with a serious negative mark on my credit. This reporting is not a true reflection of my payment behavior but instead the result of your errors and miscommunication. 

I am demanding that XXXX XXXX XXXX immediately : Correct the delinquency reporting with all credit bureaus. 
Confirm in writing that my account is in good standing and that this derogatory mark will be removed. 
Investigate and fix the issues with your online account setup process to prevent this from happening again. 

I expect this matter to be resolved promptly. Please treat this as an urgent dispute under the Fair Credit Reporting Act. If this is not corrected, I will escalate further, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory agencies. 

I require written confirmation of the correction within XXXX business days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Someone fraudulently used my information to get a credit card from capital one bank and withdrew more than {$2000.00} without my notice or permission. And capital one bank now notified my bank that I am owing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
In XX/XX/year> I was evicted from XXXX at XXXX. 
They stated I had a balance of XXXX for the remainder of lease. 
XXXX XXXX XXXX is now the collection company trying to demand {$7300.00}. 
The amount keeps growing even though this was not a loan but a balance on an apartment lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am requesting the description of reinvestigation procedure according to 15 USC1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline

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 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I placed a dispute for a transaction made on the website XXXX  The items ordered were adult size jeans. What was sent were children 's size, requested a refund from XXXX  and was told I would need to return the items at my cost, ie {$54.00} in shipping in order to be eligible for a {$65.00} return. The bank " investigated '' and informed me I was to blame and would not be refunding my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: MO

Complaint narrative:
Equifax is misreporting Missouri child support as a collection account. Child support is not a consumer credit debt and falls outside FCRA 1681b permissible purposes. Reporting it as a credit tradeline is inaccurate and misleading. Missouri law 13 CSR 40-104.020 also requires notice and hearing before reporting, which was not provided. I request immediate deletion of this entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: NV

Complaint narrative:
In XX/XX/XXXX, U.S. Bank reported an account in my name to XXXX  that I did not authorize, open, or use. The account was closed on XX/XX/XXXX and listed as Account Abuse with a balance of {$33.00}, marked XXXX as of XX/XX/XXXX. 

This account was explicitly closed due to fraudulent activity, not because of anything I did. Despite this, U.S. Bank continues to furnish the account as if I am responsible, and ChexSystems continues to display it on my file. This is inaccurate, misleading, and harmful. 

In XX/XX/XXXX, U.S. Bank reported an account in my name to XXXX  that I never opened or authorized. The account was closed on XX/XX/XXXX and then reported as Account Abuse with a balance of {$33.00}, marked XXXX as of XX/XX/XXXX. 

This account was closed by U.S. Bank specifically due to fraudulent activity. Despite this fact, U.S. Bank continues to furnish the account as if I am responsible, and XXXX  continues to display it on my file. Labeling me with account abuse when the bank itself recognized fraud is inaccurate, defamatory, and unlawful. 

Both U.S. Bank and XXXX  are violating clear provisions of the Fair Credit Reporting Act ( FCRA ) and FACTA : FCRA 605B ( 15 U.S.C. 1681c-2 ) : When a consumer disputes information resulting from identity theft, the consumer reporting agency must block and permanently delete the fraudulent information. This law requires deletion not correction, not updating to unpaid.

FCRA 623 ( 15 U.S.C. 1681s-2 ) : Prohibits furnishers ( like U.S. Bank ) from reporting information they know or should know is inaccurate. Closing the account for fraud is direct acknowledgment that they know it is inaccurate to report me as responsible.

FCRA 1681e ( b ) & 1681i : Require consumer reporting agencies ( ChexSystems ) to ensure maximum possible accuracy and to reinvestigate and delete disputed fraudulent items. Retaining this tradeline after being notified of fraud is a willful violation.

FACTA Identity Theft Provisions : Give me the right to have fraudulent accounts permanently removed from my consumer reports once I provide notice of identity theft. 

U.S. Bank has also suffered multiple data breaches ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), further demonstrating that consumer data under their control has been compromised and misused. 

This is not a matter of payment status. This is a matter of fraud. By law, fraudulent tradelines must be deleted in their entirety.

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 2025-09-27 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: CA

Complaint narrative:
I am filing this complaint against several furnishers and credit reporting agencies for their repeated violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and federal bankruptcy protections. The following accounts and inquiries are being reported inaccurately and unlawfully on my credit file : XXXX XXXX XXXX Reported as a charge-off with a high balance of {$1200.00}, opened XX/XX/XXXX. 

XXXX XXXX XXXX Reported as a charge-off with a high balance of {$2700.00}, opened XX/XX/XXXX. 

XXXX XXXX XXXX XXXX  Reported as a charge-off with a high balance of {$2000.00}, opened XX/XX/XXXX. 

U.S. Bankruptcy Court XXXX Improper reporting of bankruptcy-related information. 

Multiple Hard Inquiries Without Authorization 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 ) Grounds for Complaint : FCRA Violations ( 15 U.S.C. 1681 et seq. ) : These accounts are inaccurately reported, not properly verified, and continue to damage my credit profile. Charge-offs beyond statutory reporting limits and inconsistent data are misleading and unlawful.

Bankruptcy Protection Violations ( 11 U.S.C. 524 & 727 ) : Any debts discharged in bankruptcy can not legally be reported as due, collectible, or active. If the above accounts were included in my bankruptcy, they must be updated to reflect discharged in bankruptcy with {$0.00} balance.

Unauthorized Inquiries : The hard inquiries listed above were made without my written authorization, in violation of FCRA 604. These inquiries harm my creditworthiness and must be removed immediately.

Failure to Maintain Accuracy & Reasonable Procedures : The CRAs ( Experian, Equifax, TransUnion, and any others involved ) have failed their duty under FCRA 607 ( b ) to ensure maximum possible accuracy.

Requested Relief : I respectfully request that the CFPB : Investigate these unlawful credit reporting practices.

Compel the furnishers and CRAs to delete or correct all inaccurate accounts and inquiries.

Enforce compliance with the FCRA, FDCPA, and Bankruptcy Code to protect my consumer rights.

Provide me with written confirmation of the corrective actions taken.

I have already disputed these accounts directly with the credit reporting agencies, yet the furnishers continue to report inaccurate and damaging information. Therefore, I am escalating this matter to the CFPB for immediate enforcement action.

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 2025-09-27 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: FL

Complaint narrative:
FINAL DEMAND TO EQUFAX NOTICE OF INTENT TO LITIGATE To : Equifax Information Services LLC [ From : XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> Re : FCRA Dispute Noncompliance Intent to Litigate Dear Equifax : This letter serves as a final demand regarding my dispute filed on XX/XX/year>. Despite sending all requested identification and documentation, Equifax has failed to reinvestigate or provide written results as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Violations 611 ( a ) ( 1 ) ( A ) Failure to reinvestigate within 30 days of receiving the dispute.

611 ( a ) ( 6 ) ( B ) ( iii ) Failure to provide written notice of results, procedures, and furnisher information within five business days of completion.

611 ( a ) ( 5 ) ( A ) Failure to delete information that can not be verified ; Equifaxs continued silence is a tacit admission that the information is unverifiable.

Legal Consequences Equifaxs conduct constitutes willful noncompliance under 15 U.S.C. 1681n, entitling me to : Statutory damages of up to {$1000.00} per violation Actual damages for harm caused, including lost housing opportunities and XXXX  Attorneys fees and court costs Requested Enforcement I demand that Equifax : Immediately and permanently delete any disputed information that can not be verified Provide a written updated copy of my credit file showing deletion Provide a formal acknowledgment/apology for failing to comply with federal law CFPB Involvement A complaint has been filed with the CFPB regarding this noncompliance. This letter constitutes final notice of my intent to escalate if Equifax continues to ignore my dispute.

Notice of Litigation If the requested actions are not completed within 15 business days of receipt of this letter, I will file suit in small claims court seeking statutory, actual, and punitive damages, plus costs, and pursue all remedies available under federal law. 

Respectfully, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: TRUIST FINANCIAL CORPORATION
State: MN

Complaint narrative:
I obtained a loan for {$97000.00} to remodel my house. I paid {$4500.00} to obtain the loan. See attached loan approval document. The loan was not disbursed because the XX/XX/XXXXXXXX XXXX was a fraudulent company. I secured anXX/XX/XXXX to complete the remodeling of my house this year and went back to Service Finance to retrieve the loan and they told me the loan was canceled and I asked for the refund of the {$4500.00} I paid but the company did not respond. Below is the loan approval email from Service Finance. 





Dear Borrower XXXX XXXX, Your signed loan documents with XXXX XXXX XXXX XXXX XXXX are attached. Please see below the loan summary : Borrower Name : XXXX XXXX Loan Number : XXXX Borrower Address : XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Loan Amount : {$97000.00} If you have any questions, please contact the Loan Team at ( XXXX ) XXXX Service Finance Company , LLC 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 2025-09-27 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX, the XXXX of pre- owned vehicles at XXXX XXXX XXXX that was advertised for {$22000.00}. Prior to signing, the dealership provided me with a handwritten breakdown of charges ( sticky note ) totaling approximately {$25000.00}, including taxes and fees. However, when I reviewed my finance documents afterward, I discovered I was charged approximately {$28000.00}, including an additional {$4500.00} charge labeled XX/XX/XXXX ( an add-on warranty/protection package ). This charge was not part of the handwritten agreement and was never properly explained to me at the time of signing. I later canceled this warranty, and the dealership acknowledged that I am owed a refund. I am also owed a correction for the overcharge ( the dierence between the agreed written amount and the higher amount charged in the finance contract ). Despite repeated follow-ups, the dealership has failed to issue these refunds. The dealership has acknowledged in writing via email correspondence that they owe me both these refunds, which i can provide. 

{$4000.00} of this agreement was paid as a down payment with my chase credit card. I communicated to chase the situation, provided them with PROOF that i am owed a refund as acknowledged by the dealership via email correspondence, and they assured me that they would keep the dispute open. However, i opened my statement to see that they had rebilled me, despite the solid evidence provided. I need your help with resolving this please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: OH

Complaint narrative:
XX/XX/XXXX account ( referenced above ) under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. XXXX et seq. 
The information being reported is inaccurate, incomplete, and unverifiable, in direct violation of the following laws : 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) : You are required to conduct a reasonable reinvestigation of any disputed information. Failure to do so is a willful violation of federal law. 

15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) : A furnisher may not report information that is knownor should be knownto be inaccurate. 


15 U.S.C. XXXX ( b ) : You are required to maintain maximum possible accuracy in all consumer reports. 


15 U.S.C. XXXX ( a ) ( XXXX ) : If information can not be verified, it must be deleted immediately. 


Specific Disputes WithXX/XX/XXXX Reporting : Account Status : Reporting Derogatory/Charge-off while also listing Closed by Consumer is contradictory and creates a materially misleading entry. 


Credit Limit : You are reporting {$0.00}, which is inaccurate, as the account clearly reflects a prior high credit of {$610.00}. A {$0.00} limit falsely portrays credit misuse. 


Past Due Balance : The {$230.00} listed as past due is not substantiated by any billing statements or contractual obligation verified through the original creditor. 


Payment History : The two-year history shows inconsistent reporting across bureaus, failing the accuracy requirement under XXXX ( b ). 


Furnisher Responsibility : XX/XX/XXXX has failed to provide verified evidence of the alleged debt in compliance with XXXX ( b ). 


Because the information is contradictory, misleading, and unverifiable, it is not legally reportable. Continuing to report this account without verifiable proof is a direct violation of my rights. 
Demand for Immediate Action : Delete this account from my credit file with immediate effect. 


Provide me with an updated credit report reflecting the deletion. 


Supply documentation showing the method of verification under 15 U.S.C. XXXX ( a ) ( XXXX ) ( B ) ( 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 non-monetary relief
Consumer complaint received 2025-09-27 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: CNG FINANCIAL CORPORATION
State: NM

Complaint narrative:
I am writing to formally report that I am XXXX XXXX XXXX and recently became a victim of identity theft following the loss of my wallet, which contained personal identification and sensitive information. After the loss, my identity was used without my authorization, resulting in fraudulent activity and complications that have affected my financial and personal security.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: KS

Complaint narrative:
Transferred money into cash app. Switched my cash to XXXX  and back to cash and to bitcoin and back to cash. All the number zero out. The money I put in was the money that I got out. It was itemized at XXXX dollars gained and loss. Wish I still got a 1099 form stating that I had a profit where no profit is. So I have to pay taxes on money that was never given to me. Which is {$1200.00} owed to IRS. 1099 states $ XXXX gained where no gain was received.

Company response to consumer: Closed with explanation