vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: PA

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 2025-11-04 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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 closed it incorrectly. I never received any written updates or mailed correspondence explaining the status of my dispute or any response deadlines. When I called to follow up, Capital One representatives only sent me secure links to upload my documentation, but they did not explain the dispute process or time limits.

I submitted my documents promptly through the links provided, but the bank later claimed I did not respond in time. This is inaccurate and unfair. Capital Ones lack of proper notice and guidance prevented me from having a fair opportunity to resolve the issue.

I am requesting that the CFPB require Capital One to reopen and fully review my dispute and ensure that customers receive proper communication and clear deadlines in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: NJ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX  XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-04 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: AL

Complaint narrative:
I am writing to dispute certain entries on my credit report, which I have recently reviewed. The following item ( s ) require investigation : 1. Negative Inquiry : o Creditor : XXXX XXXX XXXX o Inquiry Date : XX/XX/year> o Issue : This inquiry is listed on my report but is not tied to any positive account, and I am disputing this unnecessary hard inquiry. 
2. Late Payment and Account Status Issues : o Creditor : [ Insert Creditor Name ] o Account Number : [ Insert Account Number ] o Issue : The account shows a late payment from [ Insert Date ]. This payment was made on time. I request that the payment status be corrected and the late payment be removed from my credit file.

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 2025-11-04 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
THE LATE PAYMENT STATUS IS INCORRECT AND UNJUSTIFIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NV

Complaint narrative:
On XX/XX/year> ; My purse and phone were stolen. On XX/XX/year> my car was towed by XXXX XXXX XXXX XXXX XXXX XXXX  at approximately XXXX. I was incarcerated due to my stolen identity. On XX/XX/year> I was released with no money. No car. No cell phone. On XX/XX/year> my friend gave me her phone so I can begin to retrieve my accounts. My aunt sent me {$1200.00}. To cover the {$930.00} in tow fees to get my car released, for hotel rooms and for food and XXXX supercharging so I could get home asap ( XXXX miles away ). 
I could not log onto my cashapp account because it was a different phone. I called Cash app support multiple times and did everything they asked me to do for verification. Spending approximately XXXX minutes each call. Same steps over and over. Sent them a copy of my ID, live facial recognition. Verified transactions and the amounts to no avail. Because I could not access the {$1200.00} I had no money. I was on the streets of XXXX XXXX with no where to sleep. No food to eat. No car. No service on my phone unless I had WiFi. The cashapp agents would ; hang up on me. Tell me they would escalate and to wait for supervisor to email me. They never did. I relied on the help of random strangers to eat. To protect me. To use their phones to do the steps asked from Cashapp. Then FINALLY a nice gentleman took the extra time and effort to resolve my issue. He would not hang up until resolved he promised and kept his word. Unfortunately it was XXXX days later and the towing fee went from {$930.00} to {$1200.00}. A {$200.00} taxi charge. And owed money to strangers for buying me food. I had nothing. I want cashapp to reimburse me for all those fees and the danger I was put in being on the streets of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wanted no part of. I was scared and crying the whole time. On the XXXX I finally got my money. Paid the new charge of {$1200.00}. Borrowed more money from my aunt to eat. Charge my car and go home. I asked for cash app management. No one reached out. I asked for their legal department. No one reached out. I got XXXX reply saying they can't do anything about the issue and they hope I have a nice day. I have receipts. Text messages with my aunt. Now I'm taking these steps. Hopefully you can help so I don't have to take the small claims steps. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
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 2025-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XX/XX/year> I signed a lease for what I thought was an house I was about to rent. Everything looked good. I sent {$3100.00} for the down payment move in and pet fee to the person I was communicating with via email. I sent the money through XXXX from my Bank of America checking account. 
When I went to collect the keys, someone else was living at the location, The person o had been communicating with was no longer available. Contacted the police and Bank of America who said I needed to speak with XXXX because it is a separate entity. Both XXXX and Bank of America denied the claim of fraud because I authorized the funds to be sent. I explained to them on several occasions that I had signed a lease and was in the process of renting from the person who I eventually found out was fraudulent.

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 2025-11-04 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I was given a {$2100.00} gift card from American Express. American Express put a hold on the giftcard and will not let me use the card and have yet to give me funds back in the form of a refund check. I have called multiple times and havent received anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-04 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: PA

Complaint narrative:
I am filing a dispute with Experian regarding several items that I believe to be inaccurately reported. These items include inquiries and late payments that should not be on my credit report, as well as inaccuracies regarding the dates and details of these entries. 

Inquiries : 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

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This debt is not mine, creditor is illegally reporting in my name without my authorization and constantly illegally reinserting item once it is removed : XXXX XXXX Acct no. XXXX I have fully investigated my rights in this matter & I HAVE NEVER SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I XXXX PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS.

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 2025-11-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BlueChip Financial
State: FL

Complaint narrative:
I want to know if both of these companies are license with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Division of Consumer Finance. Even though they are tribal, I did research saying that they still need to be licensed with you charging the interest rate rates they are charging. I understand they are allowed to charge those interest rates, but they must be licensed under this. Even though they are tribal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: MI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX  I had XXXX fraudulent charges pending against my business checking account. Truest sent me a text fraud notification and asked if I tripped approved these charges. I logged into my app.Where the fraud notification told me to go I saw the fraud report and I went on and selected.Yes, these are fraudulent charges and no I did not approve them to be taken out of my account.These were both unapproved a c h charges, totaling just over a XXXX dollars. I monitored my accounts via the truest app and saw that they continue to be pending through XXXX XXXX XXXX XXXX. Late day on XXXX the money came out of my account and it went from pending to the money being actually removed from my account. This put me in an overdraft position. My main concern is that truest new that the money was not approved by me and the charges were, in fact, fraudulent, yet after XXXX days of knowing this information, they didn't remove the money for my account. It is my firm belief that truest is culpable for removing a {$1000.00} from my account.Knowing that it was a fraudulent request.

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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit report contains late payment entries that I believe are incorrect. In accordance with 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, my report must include only information that is accurate, complete, and verifiable. I am requesting that these late payment records be investigated, and if they can not be fully verified, that they be updated or deleted from my file.

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