vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
Please address the inaccurate late payment noted on my account. My history reflects timely payments without fail, and this error is causing undue stress and impacting my daily life. I urge you to correct this mistake promptly to restore the integrity of my account information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-22 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-22 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: IL

Complaint narrative:
Could you please help me investigate accounts that are misreported as late by these companies? Ive reviewed my credit report and noticed these accounts inaccurately display late payment remarks. Those should be removed, and the accounts should be updated to the positive status we agreed upon. XXXX account is also listed as delinquent unjustly ; Id like this to be disputed and corrected to show no late payments.

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 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FinCo Services Inc DBA Current
State: WV

Complaint narrative:
Beginning in XX/XX/XXXX, my bank account at Current was repeatedly debited by XXXX ( ACH/EDI transactions ) without my authorization. These charges have continued into XXXX, with multiple monthly withdrawals including {$14.00}, {$16.00}, {$9.00}, and {$7.00} amounts. 

I reported these transactions to Current and submitted a detailed XXXX of the unauthorized debits with dates, amounts, and receipt numbers on several occasions, most recently on XX/XX/XXXX, along with screenshots of XXXX transactions on XX/XX/XXXX, and a follow-up email on XX/XX/XXXX. Despite this, Current has repeatedly asked me to provide the same documentation again instead of investigating or resolving the dispute. 

On multiple occasions, Current representatives falsely stated that ACH disputes do not qualify for provisional credits. This is incorrect. 12 CFR 1005.11 ( Regulation E ) clearly requires that if a financial institution can not complete its investigation within 10 business days, it must provide provisional credit to the consumers account. ACH transactions are electronic fund transfers and are fully covered by Regulation E.

Current has failed to : Provide provisional credit for unauthorized transactions.

Prevent additional unauthorized debits from XXXX. 
Properly investigate despite receiving the required documentation multiple times. 

This shows a pattern of noncompliance and bad-faith handling of my Regulation E dispute. I am requesting that the CFPB require Current to : 1. Immediately issue full reimbursement ( with provisional credit if the investigation is ongoing ). 
2. Cease allowing further debits from XXXX. 
3. Correct its misrepresentation of Regulation E obligations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-22 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:
These accounts must be deleted within 15 days due to their inaccuracy per USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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:
I am disputing a late payment that has been falsely reported on my account. This error is inconsistent with my actual history of timely payments. The misrepresentation is unfairly affecting my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: AZ

Complaint narrative:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : Auto loan account opened at XXXX XXXX  on XX/XX/XXXX account number XXXXXXXX XXXX XXXX  the account is showing late payment history on TransUnion and Experian only Auto loan account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX the account is showing late payment history on TransUnion and Experian only Credit Card account opened at XXXX  XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX the account is showing late payment history on Experian and Equifax only Credit Card account opened at XXXX  XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX the account is showing late payment history on Experian and Equifax only Auto loan account opened at XXXXXXXX XXXX on XX/XX/XXXXXXXX  account number XXXXXXXX XXXX XXXX  the account is showing late payment history on TransUnion and Experian only Auto loan account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX the account is showing late payment history on TansUnion and Experian only Unsecured loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX the account is shown is collection also showing late payment history on Experian only Unsecured loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX the account is shown is collection also showing late payment history on Experian only Unsecured loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX the account is shown is collection also showing late payment history on Experian only Unsecured loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX /the account is shown is collection also showing late payment history on Experian only Unsecured loan account opened at XXXX  XXXX XXXX XX/XX/XXXX account number XXXXXXXX XXXX XXXX the account is shown is collection also showing late payment history on Experian only Unsecured loan account opened at XXXX  XXXX XXXX XX/XX/XXXX account number XXXXXXXX XXXX XXXX the account is shown is collection also showing late payment history on Experian only Credit Card account opened at XXXX  XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  the account is showing late payment history on Experian and Equifax only Credit Card account opened at XXXX  XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  the account is showing late payment history on Experian and Equifax only which is being inconsistently reported among the national credit bureaus .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: IL

Complaint narrative:
Could you please help me investigate accounts that are misreported as late by these companies? Ive reviewed my credit report and noticed these accounts inaccurately display late payment remarks. Those should be removed, and the accounts should be updated to the positive status we agreed upon. XXXX account is also listed as delinquent unjustly ; Id like this to be disputed and corrected to show no late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-08-22 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: CA

Complaint narrative:
The information in this report does not truthfully represent my financial history.

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 2025-08-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am traveling to XXXX for a 4 vacation. On Tuesday, XX/XX/XXXX I was using my Capital One Venture card which I have had for XXXX years to secure dinner reservations as many of the restaurants require a deposit to hold the date. I processed 3 different reservations with no issue. When trying to complete the last one the charge would not go through. I called customer service and a woman worked through the charges that were fraud concerns with me verifying that all charges were made by me. She kept clearing the fraud alerts and then telling me to try the final charge again. This went on for over a hour with no resolution. She asked me to upload my license and take a selfie to prove my identity which I did. She told me to try the charge again and it did not go through. After multiple attempts I then received a notification that my card had been shut off and that I would now need to upload my license again as well as a copy of a statement with my name and address on it and the fraud department would review the information which could take 1-10 business days. She never mentioned that multiple attempts to process the charge could result in my card being shut off. I told her that was unacceptable as I am leaving for vacation and need my credit card. I also have many things to accomplish to get ready to leave. I asked to be transferred to her supervisor. I was transferred to a person named XXXX who said he would put a note in file to expedite the review process. I called again on XX/XX/XXXX and spoke to a different supervisor who was not helpful at all and told me there is no area in the file to add a comment to expedite. I have been a loyal Capital One customer for quite some time, have excellent credit and can not believe that this issue can not be resolved. 
I was actually told by a customer service person to go get another credit card! I asked if my card could be canceled and a new one sent and was told no as my account is restricted. I am asking for assistance to have this issue to be resolved as soon as possible. All of the charges were made by me and I have submitted the necessary documents to verify my identity. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming 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 non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I attempted to deposit a check using Cash Apps mobile check deposit feature. The app clearly instructed me to write " Cash App Deposit '' under my signature. I followed those instructions exactly, as shown in the screenshots I saved. 

The deposit failed. When I contacted support, they told me I should have written " For Cash App Mobile Deposit only '', which directly contradicted the apps own instructions. Because of this, the check was no longer valid for deposit services. I tried to deposit it at my bank and they rejected it. I drove to three other check cashing places, and they also would not accept it. Finally, XXXX XXXX made an exception and cashed it for me, charging a {$75.00} fee. 

XXXX staff told me they see customers come in with the same issue regularly. This is not a one-time error. It is a known flaw in Cash Apps check deposit instructions. I've worked in tech for over 30 years and know that fixing this would take minutes. It is a simple text correction. 

Cash App has allowed this problem to persist, despite knowing users are being misled and harmed. This has caused measurable financial loss, emotional distress, and unnecessary hardship. 

I did everything right. Their failure cost me time, money, gas, and peace of mind. It is wrong that I had to pay for their negligence. 

If doctors, lawyers, and engineers are held accountable for mistakes that result in harm, tech companies must be held to the same standard. XXXX, XXXX, and engineering teams have the power to directly shape financial outcomes, and when poor design or internal breakdowns lead to real-world injury, the companies responsible must answer for it. This is not just a product flaw. It is systemic negligence, and users like me are paying the price.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: VA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief