vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Newport Intermediate Inc.

Complaint narrative:
Hello, I am from XXXX and I have received XXXX prepaid mastercards from my employer as a bonus ( generated through https : //account.mypaymentvault.com/ ), issued by The XXXX Bank XXXX XXXX XXXX ; Member FDIC, pursuant to license by XXXX XXXX- where the XXXX XXXX states that, " You XXXX use the Card to purchase or lease goods everywhere XXXX XXXX XXXX XXXX XXXX XXXX or XXXX cards are accepted and as long as you do not exceed the available value of the Card Account and other restrictions do not apply. ", but I tried to use the card in XXXX stores ( big brazilian online retailers and even XXXX XXXX XXXX, and was denied. I contacted some retailers and was able to get the decline code from some websites and I got the following, " Code : XXXX - Message : The bank 's prevention system did not authorize the purchase. Instruct the user to contact their bank/card issuer ''. 

I contacted mypaymentvault multiple times through email and their online chatting, and they were never able to fix my problem. I looked up online and through reviews, and apparently nobody is able to use their cards, ever. It seems that they block every transaction, then the card expires and they keep the money in the balance. I would love to get some help and perhaps be finally able to use my own money that I received through my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the EquifaxXXXX XXXX XXXX XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-12 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: NY

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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 2025-11-12 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:
THE REPORTING AGENCY HAS FAILED TO PROVIDE THE REQUIRED METHOD OF VERIFICATION AND HAS REFUSED TO DISCLOSE THE SPECIFIC SOURCES OR DOCUMENTATION USED TO VERIFY THE DISPUTED INFORMATION, IN DIRECT VIOLATION OF 15 U.S.C. 1681I ( A ) ( 6 ) ( B ) ( III ). THIS FAILURE DENIES ME MY STATUTORY RIGHT TO UNDERSTAND HOW AND FROM WHOM THE DATA WAS VERIFIED. INSTEAD OF PROVIDING ANY SUBSTANTIVE PROOF OR AUTHENTIC RECORDS, THE AGENCY MERELY RE-STATED THE SAME INFORMATION THAT WAS ALREADY IN DISPUTE AN ACTION THAT DOES NOT CONSTITUTE A VALID OR LAWFUL REINVESTIGATION.

THIS BEHAVIOR SHOWS A CLEAR PATTERN OF PROCEDURAL MISCONDUCT AND NONCOMPLIANCE WITH FEDERAL INVESTIGATION STANDARDS. THE AGENCYS ACTIONS INDICATE EITHER A TOTAL ABSENCE OF PROOF OR AN INTENTIONAL REFUSAL TO DISCLOSE SUCH PROOF, BOTH OF WHICH VIOLATE THE FCRAS REQUIREMENTS FOR TRANSPARENCY, ACCOUNTABILITY, AND DUE PROCESS.

FURTHERMORE, THE AGENCY IGNORED MY CONSUMER STATEMENT AND FAILED TO INCLUDE IT IN THE FILE OR REPORTS PROVIDED TO THIRD PARTIES, AS REQUIRED BY 15 U.S.C. 1681I ( B ). THIS DENIES ME THE RIGHT TO HAVE MY DISPUTE FAIRLY REPRESENTED AND FURTHER DEMONSTRATES DISREGARD FOR CONSUMER PROTECTION OBLIGATIONS.

THE FAILURE TO PROVIDE THE METHOD OF VERIFICATION, TO DISCLOSE ORIGINAL SOURCE DATA, AND TO INCLUDE MY CONSUMER STATEMENT IS A SYSTEMIC BREACH OF DUTY THAT UNDERMINES THE CREDIBILITY AND INTEGRITY OF THE ENTIRE REPORTING PROCESS.

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 2025-11-12 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: NY

Complaint narrative:
I am filing a complaint regarding XXXX XXXX XXXX  for ongoing inaccurate and inconsistent reporting across all three credit bureaus in violation of FCRA 607 ( b ) and 611 ( a ) ( 1 ) ( A ). Each bureau reports different, conflicting data regarding this account, proving that it is not being maintained or verified with maximum possible accuracy as required by law.

TransUnion reports this account as a charge-off for {$990.00}, last updated XX/XX/XXXX, with remarks showing previously disputed. The account shows opened XX/XX/XXXX and closed XX/XX/XXXX. This bureaus version implies a recent update, which is misleading given the original delinquency occurred years prior.

Equifax lists the same account as a charge-off for {$990.00} but shows a Date of First Delinquency of XX/XX/XXXX and a different Date Reported of XX/XX/XXXX. It also flags consumer disputes this information, despite there being no active dispute since XXXX. These remarks and date conflicts demonstrate XXXX failure to update or synchronize reporting accurately.

Experian again reports the account as charged off but with yet another last update date of XX/XX/XXXX and differing balance usage percentages. The status and timeline do not match either of the other two bureaus, making it impossible to determine what dataif anyis verified.

Collectively, these reports contradict each other and demonstrate that the bureaus are continuing to publish outdated and unverified information. Additionally, the recurring updates to an account with an original delinquency from XXXX constitute re-aging, violating FCRA 605 ( a ) ( 5 ). The inclusion of conflicting dispute remarks further misrepresents my credit history and causes continued harm to my file integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NY

Complaint narrative:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files. 
I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history.

The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy. The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or hous
ing under fair and accurate conditions. These errors may also indicate negligent data handling in light of ongoing national identity theft and data breach concerns.

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 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am requesting assistance with Capital One regarding my credit card hardship relief request. I contacted Capital One to ask for temporary hardship assistance due to financial difficulty, but they only offered late fee suppression. 

That does not address my hardship because : I would still accrue full interest charges, My minimum payment would remain unaffordable, And they may still report my account negatively to credit bureaus. 

I know Capital One offers more substantial hardship programs to other customers including reduced interest rates or fixed payment arrangements but their representatives refused to transfer me to the hardship or loss mitigation department or consider my situation individually. 

I have multiple credit card accounts, and XXXX XXXX was able to provide me with an affordable hardship arrangement that allows me to stay current. Capital Ones refusal to extend similar relief feels inconsistent and unfair, especially since Im making good-faith efforts to manage my obligations responsibly.

Im requesting that the CFPB review this matter and ensure Capital One provides me with a fair opportunity to enroll in a genuine hardship program that includes : Temporary interest rate reduction or payment relief, Protection from negative credit reporting while under the arrangement, And clear, written communication of my options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Synovus Bank
State: PA

Complaint narrative:
Fist progress has put a restriction on my credit card for no reason I paid the access to {$1200.00}. I made an overpayment of {$630.00} that was supposed to be refunded to me. Also, I was told that my car was being taken off restriction for five days and I still cant use my car so not only did I overpay not only did they not send my refund and not only that I cant use my car.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-12 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-11-12 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-11-12 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: NC

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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 strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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:
Confirm the deletion of disputed accounts within the required legal period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
CFPB Complaint Draft Unauthorized XXXX Charge on AMEX Serve Issue : Fraud/Unauthorized Transaction Dispute Denied Company : American Express ( Serve Card ) PREPAID Debit Card What Happened : On XX/XX/year>, a charge of {$240.00} was debited from my American Express Serve Card for an XXXX transaction XXXX did not authorize. 

The charge does not appear in my XXXX Orders. 
An email gift was sent to an unknown third party. I did not authorize or know the recipient. 
I also received a notice of suspicious activity from XXXX stating that charges would be reversed and cancelled, but this never occurred. 
I disputed the charge with American Express Serve, but my dispute was denied, despite clear evidence of fraud. 


This is an unauthorized transaction under the Electronic Fund Transfer Act ( Regulation E ). I should not be held liable. I have requested a proper investigation and refund, but AMEX Serve has failed to correct the error or provide a valid explanation.

Resolution Requested : Immediate refund of {$240.00} to my Serve Card. Also, I am being penalized for having an XXXX account and purchasing items with this card ; which I have not used this card since, XX/XX/year>. I was told for that reason I can't get my money back. My XXXX account was hacked and I didn't make that purchase and I didn't send a gift purchase to anyone on XX/XX/year>, from my XXXX account. My XXXX account was hacked by someone using email address : XXXX ; XXXX has not investigated any of this like they claimed to have. 
Written confirmation that my account is protected against unauthorized transactions. 
Assurance that my account will be monitored to prevent future fraud.

Supporting Documentation : Copy of the disputed transaction ( {$240.00} ). 
Emails from XXXX showing suspicious activity and gift sent to unknown recipient. 
Denial letter/email from AMEX Serve regarding my original dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-12 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: SC

Complaint narrative:
I am writing to dispute the following items on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Manual, I am requesting a thorough investigation of these discrepancies. 
1. Charge-Off Accounts Account Name : XXXX  XXXX Account Number : [ XXXX ] Disputed Item : Charge-Off status. Requested Action : Please verify the status of this account. If the charge-off balance is inaccurate, I request that it be corrected or removed. 
Account Name : XXXX  Account Number : [ XXXX ] Disputed Item : Charge-Off status. Requested Action : Please confirm the status of this account and ensure the balance is reported as XXXX if it is a charge-off. 
XXXX. Delinquent Accounts Account Name : XXXX Account Number : [ XXXX ] Disputed Item : XXXX days past due. Requested Action : Please verify the delinquent status of this account and update the dates if they are incorrect. 
Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : [ XXXX ] Disputed Item : XXXX  days past due. Requested Action : Please investigate this account and correct any inaccuracies in the reported payment history. 
XXXX. Inquiries XXXX XXXX XXXX XXXX Accounts Inquiry Date : XX/XX/year> Creditor Name : XXXX XXXX Disputed Item : Inquiry not tied to an active account. Requested Action : Please review this inquiry for legitimacy. If not tied to an active account, I request its removal 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 2025-11-12 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:
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