vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately. 
Account Number XXXX * * * * Account Number XXXX * * Account Number XXXX * * * * Account Number 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 explanation
Consumer complaint received 2025-10-15 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: Experian Information Solutions Inc.
State: CA

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 XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ 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 explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I have been a credit card holder with Kohls for 26 years and never had an issue until they started using Capital One to be their credit card company. i have reached out to capital one via phone and letter and they are choosing not to hear my concerns and blame me for their inefficient system. 

It all started right away i did not get the first billing statement but got an email that is was past due. I called and immediately paid the bill. They did waive the fees. 

The next XXXX months the i babysat the statement and I paid it immediately when it came but it took almost XXXX weeks to process and processed the date it was due and try to charge late fees again. They removed them when i requested posting payments on due date and charging late fees when payment was made. The final straw was when I did not get another statement but a past due notice and ate charges. The refused to listen to reason and cancel the card. I wrote to them and set the cut up credit card to them and I still don't think it is cancelled. How can i pay what i owe when i never get a bill. Serious internal problems and i want nothing to due with them. I never pay late but can't pay on time when I never get a statement. things are not on the up and up with this credit card copamny. they need to be reviewed for practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-15 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: WI

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 non-monetary relief
Consumer complaint received 2025-10-15 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: MO

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX - XX/XX/ XXXX XXXX XXXX  XX/XX/2025 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX 
Attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX. 

Subject : Request for Loan Cancellation and Statement of Misrepresentation Loan Number : XXXX Vehicle : XXXX XXXX XXXX Dear Truist Bank, I am writing to formally notify you of a serious issue regarding my recent vehicle transaction and request immediate cancellation of the auto loan associated with the above-referenced vehicle. 

Background : - On XX/XX/XXXX, I purchased a XXXX, XXXX, XXXX from XXXX XXXX XXXX XXXX locateXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, NC XXXX. 
- I was * * led to believe * * that my XXXX XXXX XXXX, would be included as a * * trade-in * * and applied toward the new vehicle purchase. 
- Upon review of the signed contract and documents, I discovered that * * the trade-in was never included in the loan agreement or sales contract * *, which was not disclosed to me at the time of signing. 

XXXX XXXX : - I have since * * returned the vehicle * * to XXXX XXXX XXXX XXXXXXXX * * within 30 days * * of purchase, on XX/XX/XXXX, in accordance with discussions with the dealership. 
This vehicle is now with the dealership listed above. 

Loan Cancellation Request : Given the * * misrepresentation * * of the trade-in agreement and the * * return of the vehicle * *, I am requesting : XXXX. * * XXXX cancellation * * of the auto loan under XXXX # XXXX ; XXXX. * * Written confirmation * * that the loan has been closed and that I have no financial obligations under this agreement. 
XXXX. That no negative credit reporting occurs as a result of this situation. 
XXXX. A formal letter stating that my * * trade-in was not included * * in the final contract and that the * * vehicle has been returned * * to the dealership. 

This situation XXXX constitute * * fraud or deceptive business practices * *, and I reserve all rights to escalate this matter to the * * North Carolina Attorney XXXX XXXX * *, the * * Consumer Financial Protection Bureau ( CFPB ) * *, and legal counsel if necessary. 

Please respond to this request in writing within * * XXXX business days * * of receipt. 

Sincerely, 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 2025-10-15 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: NC

Complaint narrative:
It came to my attention that my person information was compromised in a data breach, i notice some accounts that I don't recognize. I am disputing the information in this FTC complaint as it appears on my credit profile. I would like validation of the debt to prove it belongs to first and last name. If the debt can not be validated I would like the debt to be removed from my credit profile. Please note verification is not validation.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Kikoff Inc.
State: FL

Complaint narrative:
Dear CFPB, In response to my dispute, Kikoff claimed they attached a copy of my signed agreement and payment records. However, I never received any such documentation. They continue to report this account without providing proper verification that I signed or agreed to the terms they reference. I request that this matter be reviewed again and that Kikoff be required to provide actual documentation verifying the account and my signature, or remove the unverifiable reporting from my credit files. Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
So Wells Fargo has a promotion going on that if you open an account and get {$1000.00} in qualifying direct deposit in XXXX days you'll get a XXXX bonus I've met all of the criteria and I'm eligible for the bonus but now they're telling me I have to wait another XXXX  days to get the bonus and I just feel like that's false advertisement and very misleading

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 2025-10-15 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: MD

Complaint narrative:
This is a formal dispute under FCRA XXXX ( b ), XXXX, and XXXX XXXX XXXX regarding multiple inaccurate accounts. Under XXXX v. XX/XX/XXXX, you must perform an independent verification. 
Disputed Tradelines : XXXX XXXX ( XXXXXX/XX/XXXX accounts, XX/XX/XXXXXXXX ) ; XXXX XXXX (XX/XX/XXXX lates ) ; XXXX XXXX ( reinsertedXX/XX/XXXXXX/XX/XXXX ) ; XXXX Mortgage ( Closed XXXX re-reported XXXX ) ; XXXX ( Open XXXX lates XXXX ). 
Provide full payment ledgers for each late month and proof of furnisher verification. If not verified to XXXX standards, delete the tradeline under XXXX ( a ) ( XXXX ) ( A ). 
Failure to comply constitutes willful non-compliance under XXXX and will be reported to CFPB, FTC, and Attorney General. 
Enclosures : ID, Utility Bill, Highlighted Report Pages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

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 2025-10-15 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: TX

Complaint narrative:
THE ACCOUNT STATUS IS INCORRECTLY REPORTED AS LATE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to dispute inaccurate or potentially fraudulent reporting of the following bankruptcy entry appearing on my credit report : Type : Chapter XXXX Bankruptcy Court : XXXXXXXX XXXX XXXXXXXX, VA XXXX Filing Date : XX/XX/XXXX Reference Number : XXXX Status Update : On XX/XX/XXXX, the company responded indicating there may be potential fraud involved. 

Because this report involves potential identity or reporting fraud, I request that this bankruptcy entry be immediately investigated, blocked, or removed pending verification in compliance with : FCRA Section 605B ( Identity Theft or Fraudulent Information ), and FCRA Section 611 ( Right to Dispute Inaccurate Information ).

This bankruptcy was fully discharged, and I am concerned that the current reporting is inaccurate, misleading, or the result of fraud.

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 2025-10-15 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: NY

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
It came to my attention that my person information was compromised in a data breach, i notice some accounts that I don't recognize. I am disputing the information in this FTC complaint as it appears on my credit profile. I would like validation of the debt to prove it belongs to first and last name. If the debt can not be validated I would like the debt to be removed from my credit profile. Please note verification is not validation.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have encountered difficulties accessing my Equifax account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: DISCOVER BANK
State: CA

Complaint narrative:
In XX/XX/year>, I discovered that my Discover credit card was missing. When I logged into my account, I saw several unauthorized purchases totaling about {$900.00}. On XX/XX/year>, I called Discovers fraud department, froze my card, and was issued a replacement. The fraudulent charges were initially removed from my account. 
However, on XX/XX/year>, I noticed that Discover had re-posted the same charges. When I called, I was told my dispute was denied because I had reviewed the transactions online around XXXX XXXX days before I officially called the fraud departmentand because the merchants ( e.g., XXXX XXXX  ) were places Id shopped at before. 
I did not authorize or make these transactions. Simply viewing my online statement does not mean I approved them. I reported my card missing, froze it, and took the proper steps to report fraud as soon as I could. I have no connection to the specific locations where the charges occurred and did not benefit from any of these purchases. 
I am requesting that Discover reopen my fraud claim, provide documentation supporting their decision, and remove the {$900.00} in unauthorized charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: CA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

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 2025-10-15 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: MS

Complaint narrative:
Company Name : Square ( Block, Inc. ) Issue Type : Mobile check deposit / Money transfer Complaint : On XX/XX/year>, I deposited a valid, properly endorsed check through Squares mobile check deposit feature. The status has remained Waiting for Review, meaning Square has received the deposit image but has not initiated any review or processing action. 

During a phone call with Square Customer Support on XX/XX/year>, at XXXXXXXX XXXX XXXX, I was explicitly told that the check is waiting for review there is no expected timeline for when my check will be reviewed or accepted before processing. These details were not available on my Square dashboard, nor was the first customer support agent willing to provide them to me. Only a second call with a different customer support agent resulted in obtaining this information about the unexplainable delay before my check deposit would even start to be reviewed for acceptance. 

Because the check has neither been accepted nor rejected, Square is effectively holding a negotiable instrument indefinitely, preventing me from accessing the funds or redepositing the check elsewhere. Square has also refused to prioritize the review or provide a timeline. 

I am requesting that the CFPB investigate this matter to determine whether Squares handling of my deposit constitutes an unfair, deceptive, or abusive practice, and to require that Square either : XXXX. Formally accept and process the check, or XXXX. Reject and release the check so I may take alternative action. 

All supporting documentation, including screenshots and call records, is available upon request. 

Thank you, XXXX XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation