vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. 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 may 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 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 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I opened a new Capital One checking account in under a promotional offer that promised a {$300.00} cash bonus after receiving a qualifying direct deposit of {$500.00} or more.

On my employer deposited my paycheck in the amount of XXXX dollars few times in first month, which exceeded the {$500.00} requirement. Since then, I have received additional direct deposits that also met the promotional conditions.

Despite meeting all the requirements, I never received the {$300.00} bonus. I contacted Capital One customer service, but the issue remains unresolved.

This is misleading because the promotion clearly stated that the {$300.00} bonus would be awarded after meeting the conditions. I am requesting that Capital One issue the {$300.00} promotional bonus as advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 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 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Accounts shows late payment and I dont recall being late I always made payments on time

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Accounts shows late payment and I dont recall being late I always made payments on time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 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 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 2025-09-24 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 make it a point to regularly review my credit report because maintaining my credit score is very important to me. However, I continue to see inaccurate and false information being reported, and this issue has persisted despite my previous attempts to have it corrected. The repeated presence of these errors is both stressful and exhausting, and it is unfairly damaging my life and credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
On XX/XX/year>, I received this email from XXXX  : We attempted to debit the disputed amount of a recent chargeback filed by your buyer, but you did not have enough funds in your XXXX  account to cover it. As a result, your account has been frozen. The remaining outstanding balance is now {$270.00}. 

Original transaction : Dispute ID : XXXX Disputed Amount : {$270.00} USD Transaction Amount : {$270.00} USD Transaction Date : XX/XX/XXXX Buyer/Sender Name : XXXX XXXX Please visit XXXX and add the above amount to your account. This repayment will take up to 5 business days, and if successful, will unfreeze your account automatically when it clears.

You can find more information and settle this unrecovered payment by following the prompts in the app. Please tap Restore your account to get the process started.

Thanks, Team XXXX  -- -- XXXX XXXX is my boyfriend. He did not request a chargeback. Upon investigation, it became immediately clear this was fraud. There was no request or receipt of a chargeback connected to his account. His bank shows no record of it, and upon further investigation, XXXX XXXXXXXX XXXX  bank confirmed that the account numbers were incorrect. We went so far as to get a certified letter from his bank verifying that this was fraud -- XXXX XXXX did not request or receive a chargeback. Yet, in spite of hundreds of hours attempting to resolve this with customer service -- over the phone, via their chat, and by email, XXXX  refused to acknowledge this was fraud and restore my account. After several months of immensely frustrating back and forth with their hostile and condescending customer service team, I decided to wait to see if they would ( slowly ) resolve this on their own. I reached out again after 6 months, when someone accidentally used XXXX  to pay me, and XXXX  stole the money from me without authorization " to pay down my debt, '' and XXXX  customer service told me the original complaint was still open and they hadn't bothered to resolve it, even though they have all of the facts to easily do so. They are obviously able to see that XXXX did not request or receive the money and confirmed as much to him. I then requested they close my account entirely, as I have lost all trust in XXXX  as a company. They also refuse to do that, as the case is pending. It has now been over a year. It seems they are hold my account XXXX, hoping that I pay them for fraud that has absolutely nothing to do with me. I am frustrated and fed up with XXXX  and infuriated that they knowingly allow fraud to occur on their platform, blame their customers, and then steal money from them. I want this issue closed immediately, an apology from XXXX  customer service, and the immediate closure of my XXXX  account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: NJ

Complaint narrative:
Dear Experian 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 : XXXXXXXX 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 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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am filing a formal complaint regarding Affirms inaccurate and unfair credit reporting practices.

Affirm breached of their own policies and a violation of federal credit reporting laws Facts of my case : My Affirm account originated before XX/XX/year> under a short-term plan ( biweekly/Pay in 30/Pay-in-2/Pay-in-6 ).

According to Affirms own published credit reporting policy, these types of plans should not be reported to XXXX  or XXXX  if originated prior to XX/XX/year>. 

Despite this, Affirm has reported late payments, including for trivial balances under {$5.00}, which has caused negative and disproportionate damage to my credit score leading to the lowest credit rating of my lifetime.

Violations and concerns : This reporting contradicts Affirms own stated policies, which explicitly exclude these plans from being shared with CRAs before XX/XX/year>. 

Reporting of late payments under {$5.00} is predatory, misleading, and materially inaccurate, violating the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires furnishers to report only accurate and complete information.

Affirm has failed to ensure the accuracy and integrity of the data furnished to CRAs, resulting in unlawful derogatory marks.

Relief sought : Immediate deletion of all inaccurate late payment notations associated with this Affirm account.

Update of the account to reflect Paid/Closed Current status across all CRAs.

Written confirmation of the correction within 15 business days.

If Affirm fails to comply, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and pursue potential civil remedies under the FCRA and applicable state laws

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CADENCE BANK
State: AL

Complaint narrative:
I made a deposit in an ATM at Cadence bank branch located in XXXX AL ( XXXX XXXX XXXX XXXX, XXXX, AL XXXX ) on XX/XX/year>. I deposited XXXX XXXX dollars. The ATM showed an error message and said to call customer support. It did not give me any receipts and just gave me my card back. I used the virtual ATM teller to complain, and she told me to go inside the branch to file the complaint. I went inside and filed a complaint the same day ( Dispute number : XXXX ). I waited the 10 business days for the investigation to be complete and now I am being told that my money was not on the ATM and I was not going to be given back my money. I have called again and they have told me they will investigate further, but it may over 10 additional business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine.

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own.

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

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 2025-09-24 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I did not authorize this inquiry, and I had no communication with the lender on that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I created an XXXX  account to order food during the XXXX pandemic lockdowns, and used it rarely. In XXXX of XXXX, I noticed a recurring charge on my account : {$9.00} every month since the XXXX of XXXX : {$9.00} - XX/XX/XXXX {$9.00} - XX/XX/XXXX {$9.00} - XX/XX/XXXX {$9.00} - XX/XX/XXXX {$9.00} - XX/XX/XXXX {$9.00} - XX/XX/XXXX {$9.00} - XX/XX/XXXX {$9.00} - XX/XX/XXXX {$9.00} - XX/XX/XXXX {$9.00} - XX/XX/XXXX {$9.00} - XX/XX/XXXX {$9.00} - XX/XX/XXXX {$9.00} - XX/XX/XXXX I was not aware that I had signed up for an XXXX XXXX subscription. I checked my email for receipts and found that I had been sent an unread confirmation email dating to XX/XX/XXXX, and that I didn't have any other XXXX receipts dating to the same period, with only one ride made with on the XXXX app on XX/XX/XXXX, for a charge of {$20.00}. No other purchases were made with XXXX between when the subscription started and when I had noticed the recurring charges in XXXX of XXXX. 

I contacted BoA, the issuer of my debit card, to submit a complaint. I had been signed up for a subscription without my consent. After some back and forth, they cancelled the charges and sent me a new debit card, and temporarily credited back {$110.00}. 

Three months later, on XX/XX/XXXX, I received mail to my address from BoA, dated XX/XX/XXXX, informing me that only {$29.00} in fees were being permanently credited back to my account. This was the amount of money between when I had first been signed up to the XXXX XXXX subscription service without my consent, on XX/XX/XXXX, and when I had last used XXXX, on XX/XX/XXXX. 

The letter I received from BoA told me to call their offices at XXXX, Monday through Friday, XXXX XXXXXXXX to XXXX XXXX.for more information or documents pertaining to my claim. I called on XX/XX/XXXX, at XXXX XXXX, and when I asked for more information relating to my claim, I was told that my claim was closed and that I should check my online portal for more information. I did, and found no more information. When I asked to speak to a human, it shifted me to a second where I was told their offices were closed and that I should check my online portal again. I called multiple times on XX/XX/XXXX, from XXXX to XXXX XXXX, and was told the same thing, unable to speak to a person using the number provided to me.

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 monetary relief
Consumer complaint received 2025-09-24 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: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
I received a written settlement offer from Phoenix Recovery Group, dated XX/XX/year>, stating that my account would be considered settled in full upon payment of {$1000.00}. However, the collector is now telling me that I and two other former tenants each must pay {$1000.00}, which directly contradicts the written settlement agreement.

Company response to consumer: Closed with explanation