vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
I am writing to formally dispute several inaccuracies appearing on my credit reports, which, upon careful review, have been identified as misrepresenting my verified financial history, responsible credit behavior, and overall creditworthiness. After examining my Experian, Equifax, and TransUnion reports, I discovered that multiple accounts, including late-closed accounts and charge-offs, have been reported inconsistently, inaccurately, or incompletely. These discrepancies create a misleading portrayal of my financial reliability and may adversely affect my ability to obtain credit, secure housing, or maintain employment opportunities that rely on accurate reporting. 
Specifically, my reports list a late-closed account from XXXX XXXX XXXX  ending XXXX with a XXXX balance. According to my records, this account was closed in good standing with all payments made in accordance with the original agreement. However, the reporting does not accurately reflect the timing, status, or closure of this account, which misrepresents my payment history and responsible financial behavior. This inaccuracy violates FCRA 623 ( a ) ( 5 ), which requires furnishers to report accurate dates of first delinquency, and FCRA 623 ( a ) ( 1 ) ( A ), which mandates that all reported information be accurate, complete, and verified. 
In addition, my reports include a charge-off account from XXXX ending XXXX with a reported balance of {$1300.00}. The information associated with this account does not align with my verified records, which show payments and resolutions that are not accurately reflected in the reporting. The inconsistent or erroneous reporting of this charge-off misrepresents my credit behavior, suggesting delinquencies or financial mismanagement where none exist. Such misreporting XXXXay constitute false, misleading, or unfair practices in violation of FDCPA 807, 808, and 809, and interferes with my right to proper debt validation and accurate credit reporting. 
The cumulative effect of these inaccuracies, late-closed accounts and charge-offs, creates a fragmented and misleading credit profile that does not reflect my actual payment history or financial responsibility. These errors may result in wrongful credit denials, higher interest rates, or other adverse financial consequences. I request that each disputed item be thoroughly reinvestigated directly with the original creditors or furnishers, with verification of balances, dates of last activity, account status, and closure, and that all inaccuracies be corrected promptly across all three credit bureaus to ensure accuracy, consistency, and compliance with federal 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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I requested a XXXX c to add to my tax XXXX  return with the irs, and never received any reply back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the Equifax, Experian, and Transunion data breach, which adds to my worries about the safety of my personal data.

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 2025-11-18 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:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the Equifax, Experian, and Transunion data breach, which adds to my worries about the safety of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: NY

Complaint narrative:
On XX/XX/2025 an unauthorized transaction of XXXX was made with my card through this company as i dont have any relation with them, I tried to dispute it by through the bank but they said deadline time was expired to dispute it, i was traveling and realized late about this, after that i knew about CFPB and make this complaint with hope to get a refund!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: LA

Complaint narrative:
I have recently noticed some fraudulent and incorrect information on my consumers report that are affecting my personal life.

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 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to formally express my disappointment and concern regarding my recent change to my credit limit with Capital One, which appears to be linked to a complaint I filed with the Consumer Financial Protection Bureau. I submitted my complaint regarding difficulties I experienced while attempting to make a payment to pay off my credit card. Since I filed the complaint, I received a notice dated XX/XX/year>, my credit limit was decreased from XXXX to XXXX. These drastic reductions have impacted my financial flexibility and credit utilization ratio negatively. 
I believe that the timing of this decrease is not coincidental and shows a retaliatory action that I find unjustified. I have been a loyal customer of Capital One. The sudden change in my credit limit has caused me unnecessary stress and confusion. All I wanted to do was pay off my credit card. Now I feel as if I am being punished for paying off the card, and the credit limit is no longer available to me. I kindly request a thorough review of this situation and reconsideration of my credit limit. Thank you for your attention to this issue. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: WA

Complaint narrative:
I am submitting this follow-up to the Consumer Financial Protection Bureau regarding several items currently appearing on my credit report that are inaccurate, incomplete, and not fully verifiable. Despite prior disputes and communications with the credit reporting agencies, these inaccuracies continue to appear and negatively affect my credit profile, misrepresenting my true credit history. 

XXXX XXXX Original Creditor XXXX XXXX XXXX Balance {$20000.00} XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX Balance {$3000.00} XXXX XXXX Balance {$470.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically 611 ( a ) and 1681e ( b ), I am entitled to have inaccurate or unverifiable information fully investigated and corrected. I am formally requesting a comprehensive reinvestigation and verification of all disputed items to ensure that my credit file reflects only accurate, complete, and verifiable consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: CA

Complaint narrative:
I am very concerned that I am denied from the settlementcompensation regarding the illegal fees caused by WOW Cater and CashApp. I am born deaf and XXXX. I am a retired senior. 

I used to employ as a delivery driver at XXXX XXXX in XXXX before I resigned from this abortive job because WOW Cater and CashApp took nasty advantage of me by taking out {$670.00} from my wages illegally. 

I have demanded that I must receive {$670.00} as a full refund. Your agency can not deny me anymore. I have rights to send out an appeal to your agency. 

CLAIM ID : XXXX CONFIRMATION CODE : XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing a second complaint regarding XXXX XXXX XXXX ( XXXX ) because they continue to report an alleged account to Experian without providing any legally required documentation capable of verification. 

I have already submitted disputes to Experian, sent direct disputes to XXXX, and received multiple verified responses with no supporting evidence. XXXX has not provided : The original contract or account agreement Billing statements or account-level records Proof of ownership or chain of title from the original creditor Documentation showing they conducted a legally required investigation under FCRA 15 U.S.C. 1681s-2 ( b ) Experian continues reporting the account based solely on XXXX unsubstantiated confirmations, which violates FCRA reinvestigation standards under 1681i and the CFPBs guidance on reasonable investigations. 

XXXX continued collection and furnishing activities without proof violate : FCRA 1681s-2 ( b ) FCRA 1681e ( b ) FCRA 1681i ( a ) FDCPA 1692e and 1692g ( b ) I am requesting CFPB intervention to require XXXX to produce actual documentation supporting the alleged debt or delete the account from all consumer reporting agencies. XXXX has repeatedly failed to meet federal standards for verification and accuracy, and the XXXX continues to report the account despite the lack of evidence.

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 2025-11-18 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: NY

Complaint narrative:
I am submitting this complaint because after carefully reviewing my credit report, I discovered that several accounts I have fully resolved and brought to good standing are still being reported with outdated and inaccurate late payment information, which does not reflect the true way I handled these obligations. Under the standards of fairness and accuracy outlined in the Fair Credit Reporting Act specifically FCRA XXXX emphasizing the need for honest reporting, XXXX granting me the right to dispute inaccurate information, and XXXX ( a ) ( XXXX ) and XXXX ( b ) requiring furnishers to correct, update, and properly investigate disputed items I am requesting assistance because TransUnion continues to report late payment history on accounts that were responsibly completed. My XX/XX/XXXXXXXX account ending in XXXX with a balance of {$980.00} was brought current and resolved, yet it is still described as having late payments that no longer match its real condition. My XXXX XXXX XXXX account ending in XXXX, which now has a {$0.00} balance and was fully satisfied and closed in good standing, is also still showing outdated late payment remarks that misrepresent the final and accurate status of the account. I am simply asking for my consumer file to reflect the truth that these accounts were completed, settled, and should now be shown accurately as Paid as Agreed because the lingering inaccurate late information paints a misleading picture of my credit behavior and undermines the corrective actions I successfully took. 
XXXX XXXX XXXX Balance : {$990.00}XX/XX/XXXXXXXX Balance : {$180.00} XX/XX/XXXX XXXX Balance : {$1900.00} XXXX XXXXXX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXXXXXX XXXX XXXX : {$0.00} XX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXXXXXX XXXX Balance : {$0.00} XX/XX/XXXXXXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NY

Complaint narrative:
I am submitting this complaint because after carefully reviewing my credit report, I discovered that several accounts I have fully resolved and brought to good standing are still being reported with outdated and inaccurate late payment information, which does not reflect the true way I handled these obligations. Under the standards of fairness and accuracy outlined in the Fair Credit Reporting Act specifically FCRA XXXX emphasizing the need for honest reporting, XXXX granting me the right to dispute inaccurate information, and XXXX ( a ) ( XXXX ) and XXXX ( b ) requiring furnishers to correct, update, and properly investigate disputed items I am requesting assistance because TransUnion continues to report late payment history on accounts that were responsibly completed. My XX/XX/XXXXXXXX account ending in XXXX with a balance of {$980.00} was brought current and resolved, yet it is still described as having late payments that no longer match its real condition. My XXXX XXXX XXXX account ending in XXXX, which now has a {$0.00} balance and was fully satisfied and closed in good standing, is also still showing outdated late payment remarks that misrepresent the final and accurate status of the account. I am simply asking for my consumer file to reflect the truth that these accounts were completed, settled, and should now be shown accurately as Paid as Agreed because the lingering inaccurate late information paints a misleading picture of my credit behavior and undermines the corrective actions I successfully took. 
XXXX XXXX XXXX Balance : {$990.00}XX/XX/XXXXXXXX Balance : {$180.00} XX/XX/XXXX XXXX Balance : {$1900.00} XXXX XXXXXX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXXXXXX XXXX XXXX : {$0.00} XX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXXXXXX XXXX Balance : {$0.00} XX/XX/XXXXXXXX XXXX Balance : {$0.00}

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 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD

Complaint narrative:
Someone from XXXX XXXX contacted me to help me reactivate my uber account by filing an apeal to uber they ask me to send them {$100.00} security deposit and incase if account isnt recovered they are liable to refund the money they gave me this written statement but once i transferred the money over XXXX they stop responding

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I previously submitted a written dispute to TD AUTO FINANCE dated XX/XX/2025, regarding an account that is being inaccurately reported on my credit file. Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), TD AUTO FINANCE has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. SinceTD AUTO FINANCE did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure TD AUTO FINANCE Rs immediate compliance with FCRA requirements. TD AUTO FINANCE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
in XXXX XXXX, my vehicle was declared a total loss ( the accident occured XX/XX/year> ) A week later, on XX/XX/year>, my insurance company paid {$23000.00} toward the loan. on XX/XX/XXXX, XXXX insurer remitted {$5000.00}. Then after thess intail transactions, additional funds were recived, including a warranty refund of {$3200.00}, which when combined, matches my total loan amount of {$32000.00}. XXXX continues to report a false {$1400.00} balance that does not belong to me and has never been validated. I disputed this directly with Ally and with all three credit bureaus. I also contacted my XXXX company and provided all documentation required. Ally refuses to provide a breakdown or proof of this alleged balance and continues to report inaccurate and damaging information on my credit profile, placing my account in the negative. 
Despite all these payments, for the last XXXX to XXXX months, I have filed XXXX disputes ( from XXXX through now ) with the credit bureaus and sent them documentation showing the total-loss settlement and payments. Meanwhile, whenever I call Ally, on multiple recorded lines, their representatives tell me XXXX in good standing but there is no action taken to correct the balance theyre reporting to the credit bureaus. 
This has been devastating : my credit is being hurt, Im unable to move on and secure a new vehicle, and I feel completely ignored. Every dispute seems to be met with lies or empty promises, with no substantive explanation or resolution from Ally, and every time I call Im met with resistance and disrespect.

Company response to consumer: Closed with explanation