vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 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: OR

Complaint narrative:
To whom it may concern : According to the FCRA, I have the right to dispute any information on my credit report that I believe is inaccurate. I will not stand for any misinformation being associated with my name and financial history. If there is something on my credit report that doesn't seem right, I will be taking action to get it removed. Federal and state law requires you to report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the XXXX XXXX reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX er the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, I am submitting this dispute regarding inaccurate information on my credit report. I am invoking my rights under federal law and expect this dispute to be handled with full compliance, without delay, obstruction, or misrepresentation. 
Your company has been legally reprimanded multiple times for failing to properly investigate consumer disputes, including but not limited to : Equifax ( XXXX ) Fined {$15.00} XXXX by the Consumer Financial Protection Bureau ( CFPB ) for systemic failures in handling consumer disputes, ignoring submitted documentation, and allowing previously deleted errors to reappear. 
Experian ( XXXX ) Sued by the CFPB for engaging in fraudulent dispute resolution practices, including re-inserting inaccurate data without proper investigation. 
TransUnion ( XXXX ) XXXX a {$60.00} XXXX federal jury verdict for violating the FCRA by falsely labeling consumers as high-risk individuals on government watchlists, causing extensive financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: RUOFF MORTGAGE
State: IL

Complaint narrative:
I reached out to XXXX XXXX, as he was a reference from my realtor. I asked him to send me the mortgage application link and I did apply via the application that same day on XX/XX/XXXX or if not on XX/XX/XXXX. On the application I put do not pull credit. I selected the no where it said are we able to do a credit pull. I also followed up with a text on XX/XX/XXXX saying that I do not authorize the credit pull. I am aware that in the mortgage process, they will have to do a credit pull, but I was not ready to do that yet as I wanted to make sure that the person who pulled my credit was going to actually be able to service my loan and we would be able to close on a property, as I was having issues with this from a previous Lender on a previous property that I had went under contract for. Unfortunately, this Lender ignored both of those things and went ahead and did a credit pull and he did not take accountability in the way that I thought was appropriate, therefore, is why I am now filing for the complaint. I would like for the Lender to remove the hard inquiry on my credit report, that is the action that I requested of him on XXXX and the action I am still requesting now.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: KY

Complaint narrative:
This is letter for DELETON AS PER LAW I submitted detailed written disputes to the credit bureaus regarding multiple inaccurate accounts and specifically instructed that no automated e-OSCAR system could be used. I required full reinvestigation under FCRA 611 ( a ) ( 1 ) ( A ), including the name, phone number, and documentation from the furnisher verifying each account. The bureaus failed to provide any proof, contact information, or reinvestigation results within XXXX  days as required by law.

The CFPB previously notified the bureaus of these complaints, yet they still have not responded or deleted the unverifiable information. Under FCRA 611 ( a ) ( 5 ) ( A ), any data that can not be verified must be deleted. Their failure to do so is willful non-compliance.

Because of these reporting failures, I was denied a mortgage for {$420000.00} and have suffered measurable financial harm. I am requesting CFPB enforcement to compel immediate deletion of all unverifiable accounts and a printed copy of my corrected credit report mailed to my address within XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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:
Dear Experian, XXXX, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. 
On XX/XX/year> I received email notification from XXXX Credit monitoring that a Hard Inquiry from XXXX Bank XXXX Delaware. I accessed my Experian account and said inquiry was on my credit report. So XXXX Bank pulled my credit report without my consent. I called Experian and talked to someone that handles fraud and this person was not helpful at all. 
On XX/XX/XXXX. 2025 I called XXXX Bank and talked to representative in their Security/Fraud department. I gave them my personnel information and they verified that I do not have an account or a loan or credit card application waiting to be processed. 
Please explained to me why Experian released my credit report without my permission or consent? XXXX XXXX XXXX should be held liable for their actions. 
I am disputing this claim due to : Experian This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed is a copy of the letter I sent XXXX Bank as additional evidence to support my claim.

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 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
Capital One has unilaterally begun refusing me access to their website, which is the only channel through which I have ever interacted with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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:
Several disputes have been filed since XX/XX/year> with Transunion to removed all unauthorized inquires and accounts that are not proven to be named in question. A request for a complete and documented investigation into the accuracy and ownership proof of XXXX  DEPT ED/XXXX, XXXX, all INQURIES account. 
Including verification of all details including the original signed contract, full payment history, and chain of custody/title of the debt. Accounting records showing the debt is truly outstanding.

Company was sent proof of my personal identifying information in their breaches twice this year and TransUnion has failed to comply with Section 611 of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ) outlines the procedures consumer reporting agencies ( CRAs ) must follow when a consumer disputes the accuracy or completeness of information in their file. Essentially, it mandates that upon receiving a dispute, the CRA must conduct a reasonable reinvestigation, free of charge, to verify the disputed information and update the consumer 's file accordingly within 30 days. Due to FTC and the identity theft findings, these accounts should be removed and Transunion is in violation of several consumer FCR, FTC, CFPB noncompliance regulations.

FTC Report 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 2025-11-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/2025, I applied for a Hilton Honors American Express Surpass Card through Hilton Grand Vacations in-house sales program. Hiltons representative, XXXX XXXX, represented that the card offered a 0 % promotional APR for XXXX  months on Hilton Grand Vacations purchases. The same day, {$10000.00} was charged to the card as a down payment, and on XX/XX/2025, the remaining {$19000.00} was charged when the card arrived. 

The first statement ( XX/XX/2025 ) reflected a {$29000.00} balance and no interest. However, the next statement ( XX/XX/2025 ) showed {$680.00} in interest. I contacted Amex on XX/XX/2025, opened dispute number XXXX, and provided documentation showing the 0 % promotional offer. Despite repeated calls and follow-ups, Amex continued charging interest in XXXX ( {$760.00} ), XXXX ( {$730.00} ), and XXXX ( {$320.00} ), totaling about {$2500.00}. 

On XX/XX/2025, I sent a written billing-error notice by certified mail under the Fair Credit Billing Act ( 15 U.S.C. 1666 ; 12 C.F.R. 1026.13 ). Amex received it on XX/XX/XXXX but never acknowledged or resolved it. When I called on XX/XX/XXXX, an Amex representative admitted my certified letter had been sent to the wrong department.

Amexs failure to process the dispute violates its obligations under the Fair Credit Billing Act and Regulation Z. I am seeking full restitution of all improper interest charges with applicable interest, correction of my account records, and written confirmation of compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Subject : Capital One XXXX XXXX XXXX XXXX  benefit cancelled by Capital One and unresolved after multiple escalations What happened : I am the primary cardholder of a Capital One XXXX XXXX credit card since XX/XX/XXXX. This card carries a {$390.00} annual membership fee and includes a complimentary XXXX XXXX XXXX airport lounge membership as a key advertised benefit. 

On XX/XX/XXXX, I attempted to activate my XXXX XXXX membership through the Capital One app and received the message : You are not eligible to enroll in XXXX XXXX 

Since then, I have contacted Capital One customer service on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time, I was told the matter had been escalated to advisors for further investigation. 

On XX/XX/XXXX, I received a voicemail from a Capital One advisor. When I promptly returned the call, I was told only that they were looking into the issue with no explanation or proposed resolution. 

I then contacted XXXX XXXX, who confirmed in writing that my membership was cancelled by Capital One and that they can not reinstate it because Capital One manages the membership directly. XXXX XXXX clearly stated that the issue originates from Capital Ones system, not theirs. 

This means the problem lies entirely with Capital Ones administration of the XXXX XXXX benefit, not with XXXX XXXX. 

Despite paying the {$390.00} annual cardmember fee for this premium product, I have been unable to access a core advertised benefit ( XXXX XXXX lounge access ) for nearly two months. I have diligently followed up multiple times, but Capital One continues to state only that my case is under review with no resolution or timeline. 

Supporting documentation : -Screenshot from the Capital One app showing You are not eligible to enroll in XXXX XXXX. 
-Email from XXXX XXXX confirming that Capital One cancelled my membership and can not reinstate it. 
-Timeline of my documented calls and follow-ups ( XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX of XXXX ). 
-Proof of my XXXX XXXX annual cardmember fee payment. 

Company : Capital One Bank ( USA ), N.A. 
Product : Credit Card Capital One XXXX XXXX  Category : Rewards/ Promotions Card Benefits

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
On cash app you got people pretending to offer services and then have you pay for the services and then never provide the services

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-11-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DailyPay, Inc
State: LA

Complaint narrative:
I filed disputes for XXXX unauthorized charges. They denied and have refused to send me documentation supporting their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX, Ga XXXX To Whom This XXXX Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was charged a return check fee by Citi on XX/XX/XXXX. I added the necessary funds to my account later that same day to correct the issue, but Citi did not retry the payment until the following day. Because of that delay, the fee still posted even though I acted promptly to make sure the funds were available. 
When I called customer service to request a review, I explained the situation calmly, but the representative insisted there was nothing they could do and transferred me to a supervisor. The supervisor repeated that it was a valid charge, refused to consider that Citi delayed the retry, and then hung up on me.

Im requesting that Citi reverse this fee as a courtesy or in fairness since I corrected the issue the same day, and Im asking that they review the way my call was handled.

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