vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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:
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 2025-09-15 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I noticed a debt collection was added to my credit report with XXXX  and XXXX  XXXXDebt Recovery Solutions XXXX XXXX I called Debt Revovery and advised them I had never had a loan with the original creditor Lend you cash XXXX, tried calling this number but its non working. 

Requesting for this to be disputed with creditors and credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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 2025-09-15 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: FL

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : DEPT OF EDUCATION/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$1600.00} Account Name : DEPT OF EDUCATIONXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$1600.00} Account Name : DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$940.00} Account Name : XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX - Balance {$2700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: DC

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: VA

Complaint narrative:
I sent letters requesting for immediate removal of inaccurate, unverifiable, and unauthorized information from my credit report in strict accordance with federal law. Under the Fair Credit Reporting Act ( FCRA ), and other applicable statutes. 

XXXX XXXX # XXXX This account is erroneously and needs to be removed immediately. 
XXXX XXXX XXXX # XXXX This account is erroneously and needs to be removed immediately. 
XXXX XXXX  # XXXX This account is erroneously and needs to be removed immediately. 
XXXX  # XXXX This account is erroneously and needs to be removed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am a Capital One customer since XXXX  with a joint checking account that was recently frozen. I had recently added my wife as a joint account holder. She was initially accepted, but Capital One later froze the account because she has not appeared in a U.S. branch for identity verification.

My wife is a U.S. citizen with a valid passport and Social Security card, but she currently resides in XXXX and can not appear in a U.S. branch and currently can not travel to the U.S. I am willing to provide certified/notarized documents from the U.S. Embassy/Consulate XXXX XXXX ( consular notarization of her passport and Social Security card ) to meet Capital Ones verification requirements.

At the time I added her to the account, I was NOT informed that she would be required to appear in person at a branch for verification. Had this been disclosed up front, I would NOT have added her, since it is not possible for her to travel to the U.S. solely for this purpose.

I have asked Capital One to accept consular notarization or another remote verification method, but they have stated they can not remove her from the account and will not release the freeze. As a result, I currently have no access to my funds, which is creating hardship.

I am requesting that Capital One either : 1. ) Accept consular notarization as a valid verification method so that my wife can be fully verified and the freeze lifted, and the account kept open, or 2. ) Provide a clear compliance-approved process to unfreeze my funds without forcing me to close the account unnecessarily.

3. ) Remove the joint holder from the account to release the freeze. Keep the account open with me as the sole owner of the account.

I am not attempting to avoid verification I am asking for a reasonable accommodation that complies with federal KYC rules, since in-branch verification is not possible from abroad.

I am not attempting to avoid verification I am asking for a reasonable accommodation that complies with federal KYC rules, since in-branch verification is not possible from abroad.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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 recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: CA

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear [ Best Buy Credit Card Services XXXX XXXX XXXX XXXX ], Ive been a loyal Best Buy credit card holder for over 10 years and have consistently maintained a strong payment history without any missed payments. Recently, I applied for the hardship program due to financial strain, but was unfortunately denied without explanation. 
Following this, I noticed a significant increase in my interest rate, despite my long-standing history of responsible account management. Ive contacted customer service multiple times and was repeatedly assured that support would be provided, yet no resolution has been offered. 
Additionally, a late payment was reported on my credit file, which I believe resulted from a miscommunication. I had understood that I was enrolled in the hardship program at the time and was not expecting any negative impact on my account. 
I respectfully request the following : A review and removal of the late payment reported, as it appears to stem from an honest misunderstanding. 
A reconsideration of my eligibility for an interest rate reduction, based on my decade-long history as a reliable customer. 
Thank you for your attention to this matter. I look forward to your prompt response and a fair resolution.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted 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 non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: GA

Complaint narrative:
I received a notification approximately 3 weeks ago via the actual app for cash app that my account was closed for violating their terms of service. There had been no activity on the account outside of a transfer from a family member on XX/XX/XXXX. I repeatedly asked for clarification as to what the violation was and received no response. I attempted to escalate this to the XXXX  but again received no response. I believe that this account closure is racially and politically motivated as I had no problems with my account until I changed my last name to my married last name which is XXXX now. I believe that cash app now believes that I am an illegal immigrant attempting to commit fraud despite me having to send proof of my marriage to not only another US citizen, but that I am also a US citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XX/XX/year> a charge showed up on my apple card. I immediately disputed as it was not mine. I called the XXXX people and they sent me to XXXX XXXX, i sent a photo of my front door to show never received or ordered any product from this company. I wrote Apple a letter also and they keep recharging my card. I just want it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: IL

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Identity Theft, Fraudulent Accounts & Illegal Reinserted Account ( XXXX ) Remove fraudulent inaccurate account : XXXX XXXX XXXX XXXX XXXX Dear Equifax Dispute Department , I am writing to formally dispute several items listed on my Equifax credit report due to identity theft and non-compliance with federal credit reporting laws. 

As a victim of the Equifax data breach, my personal information was compromised, and as a direct result, fraudulent accounts have been reported under my name without my authorization. I am requesting a thorough investigation and immediate removal of any and all fraudulent accounts that resulted from this breach. These accounts were opened without my knowledge or consent and are damaging my credit and financial well-being. 

Furthermore, I am disputing the reappearance of a previously removed XXXX account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ), a credit bureau is prohibited from re-inserting any information into a consumer 's file unless it notifies the consumer in writing within five ( 5 ) business days. I never received any such notice from Equifax regarding the reinsertion of this XXXX account. 

Due to this violation of the FCRA and your obligations as a credit reporting agency, I am demanding : 1. Immediate removal of the reinserted XXXX account from my credit report.

2. Immediate deletion of any and all fraudulent accounts XXXX XXXX that were opened as a result of the Equifax data breach.

3. A written confirmation once these accounts have been removed and my credit file has been corrected. 

I have enclosed a copy of my credit report with the fraudulent and reinserted items highlighted, along with identification and any supporting documentation to validate my claim. Please investigate these matters, delete the incorrect information as required by law, and provide written confirmation of the results. 

If Equifax fails to correct these errors promptly, I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering further legal action. 

Sincerely, XXXX XXXX XXXX in with this dispute letter : ID ( drivers license or state-issued ID ) A copy of your credit report with the disputed items circled/highlighted A FTC Identity Theft Affidavit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: IA

Complaint narrative:
XXXX persists in reporting a balance on my credit report despite issuing a 1009-C Code G in XXXX. A copy of the 1099-C was forwarded to all 3 credit bureaus but only XXXX  removed the XXXX account from my Credit Report. Both Experian and TransUnion claim the balance was verified and continue to report it.

Legal Action against XXXX, Experian and TransUnion is pending.

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