vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
on XX/XX/year>, a XXXX late payment was placed on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX XXXX XX/XX/XXXX To : Experian XXXX XXXX XXXX  XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXX  XXXX, GA XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Student Loan Accounts Reported by XXXX Account Number in Dispute : XXXX Dear Credit Reporting Agency, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding inaccurate information reported by XXXX under account number XXXX. 

According to your reports, XXXX has listed XXXX ( XXXX ) different accounts under this same number, with conflicting opening dates and balances : XX/XX/XXXX {$1300.00}, {$660.00}, {$2200.00} XX/XX/XXXX {$3500.00} XX/XX/XXXX {$360.00} XX/XX/XXXX {$3700.00}, {$3100.00} XX/XX/XXXX {$1700.00}, {$3200.00} XX/XX/XXXX {$4500.00} XX/XX/XXXX {$35000.00} This reporting is factually inaccurate and misleading, constituting a violation of 15 U.S.C. 1681e ( b ) which requires consumer reporting agencies to maintain the maximum possible accuracy of reported information. 

The accounts contain the following errors : Multiple different loans reported under the same account number, Inconsistent and contradictory opening dates, Inaccurate balances and repayment statuses, Possible inflated APR terms. 

Such false duplication creates the false impression of multiple separate delinquencies, which severely damages my creditworthiness. This reporting may also violate provisions of the Higher Education Act ( HEA ). 

I therefore demand the following resolution : Immediate deletion of all XXXX student loan entries tied to account number XXXX from my credit file. 

Written confirmation of such deletions within 30 days of receipt of this letter. 

If these inaccurate entries are not deleted, I will escalate this matter by : Filing a 609 letter demand for full source documentation, Submitting a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Considering legal action for willful and negligent violations of the FCRA, supported by case law such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ), where the court held that inaccurate student loan reporting caused credit harm and triggered FCRA liability. 

This letter is written in good faith to give you the opportunity to resolve this dispute amicably. However, failure to act within the statutory time period will leave me no choice but to pursue all available remedies. 

I expect a timely investigation and resolution as required under federal law. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-08-21 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX XXXX XX/XX/XXXX To : Experian XXXX XXXX XXXX  XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXX  XXXX, GA XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Student Loan Accounts Reported by XXXX Account Number in Dispute : XXXX Dear Credit Reporting Agency, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding inaccurate information reported by XXXX under account number XXXX. 

According to your reports, XXXX has listed XXXX ( XXXX ) different accounts under this same number, with conflicting opening dates and balances : XX/XX/XXXX {$1300.00}, {$660.00}, {$2200.00} XX/XX/XXXX {$3500.00} XX/XX/XXXX {$360.00} XX/XX/XXXX {$3700.00}, {$3100.00} XX/XX/XXXX {$1700.00}, {$3200.00} XX/XX/XXXX {$4500.00} XX/XX/XXXX {$35000.00} This reporting is factually inaccurate and misleading, constituting a violation of 15 U.S.C. 1681e ( b ) which requires consumer reporting agencies to maintain the maximum possible accuracy of reported information. 

The accounts contain the following errors : Multiple different loans reported under the same account number, Inconsistent and contradictory opening dates, Inaccurate balances and repayment statuses, Possible inflated APR terms. 

Such false duplication creates the false impression of multiple separate delinquencies, which severely damages my creditworthiness. This reporting may also violate provisions of the Higher Education Act ( HEA ). 

I therefore demand the following resolution : Immediate deletion of all XXXX student loan entries tied to account number XXXX from my credit file. 

Written confirmation of such deletions within 30 days of receipt of this letter. 

If these inaccurate entries are not deleted, I will escalate this matter by : Filing a 609 letter demand for full source documentation, Submitting a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Considering legal action for willful and negligent violations of the FCRA, supported by case law such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ), where the court held that inaccurate student loan reporting caused credit harm and triggered FCRA liability. 

This letter is written in good faith to give you the opportunity to resolve this dispute amicably. However, failure to act within the statutory time period will leave me no choice but to pursue all available remedies. 

I expect a timely investigation and resolution as required under federal law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX a {$1400.00} charge was added to my bank account for an airbnb that I did not purchase. So i went to the bank and filed a said someone unauthorized had been on my account. So they sent me a new card and closed the old one, and they told me they would update me with the claim. When they finally did update me on XX/XX/XXXX they had told me that my claim was denied. I dont understand why it was denied If I did not purchase that. I can also show my location and where I was during the dates that the airbnb was purchased for, showing that I did not use this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-21 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: 1803 Capital, LLC
State: IN

Complaint narrative:
I disputed this improper use of my information on XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: Global Lending Services LLC
State: IN

Complaint narrative:
I disputed this improper use of my information on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Activehours
State: MD

Complaint narrative:
I contacted EarnIn on XXXX XXXX to revoke ACH they said they would and all my bank information was deleted they said, well today XXXX XXXX they are trying to take {$450.00} out of my account which should of not been done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
I am filing this complaint against Equifax for their continued reporting of a late payment accounts on my credit report which are XXXX XXXX XXXX & XXXX XXXX XXXX..... This is not only a gross inaccuracy, but it also violates multiple provisions under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] and 607 ( b ) [ 15 U.S.C.

1681e ( b ) ]. I previously submitted a formal dispute regarding this inaccurate entry, yet Equifax failed to conduct a meaningful or lawful reinvestigation. They did not contact the furnisher nor provide any documentation verifying its accuracy. Their handling of the dispute shows noncompliance with the FCRAs requirement to conduct a reasonable reinvestigation. Equifax appears to rely solely on automated systems such as e-OSCAR rather than performing an actual manual review of disputed items or original records. This kind of automated verification process is insufficient under the FCRA, and can not meet the standard of a 'reasonable ' reinvestigation. Further, under FCRA 607 ( b ), Equifax has a legal obligation to ensure the maximum possible accuracy of the information they report. Maintaining a late payment account on my record, with no documentation or proper validation, is a clear and damaging violation of that duty. This error has harmed my credit reputation, caused emotional distress, and denied me access to financial opportunities. In XX/XX/year>, Equifax was fined {$15.00} XXXX for improper investigations and failure to comply with FCRA accuracy requirements .. My experience is consistent with those systemic issues and shows these practices are still ongoing. I am requesting the CFPB to require Equifax to immediately delete the inaccurate information from my credit report, issue a full explanation of their investigation process, and hold them accountable for violating my rights as a consumer. If necessary, I am prepared to pursue compensation for damages under FCRA 1681n and 1681o. I have attached my formal dispute letter dated XX/XX/year>, which further outlines my concerns and demands. I respectfully ask the CFPB to investigate this matter and enforce compliance with federal law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: TN

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-08-21 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: TN

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I am filing this as a follow-up to my prior CFPB complaint against American Express ( Ref. # In their response, Amex claimed I missed a payment in XX/XX/XXXX, which they used to justify imposing a penalty APR of 29.99 %, charging a {$29.00} late fee, and later reducing my credit limit. I am submitting additional evidence that contradicts their position and demonstrates unfair and abusive practices.

Repayment History In the three billing cycles leading up to XX/XX/XXXX, I consistently paid well above the minimum due : XX/XX/XXXX : Paid {$1700.00} against a {$160.00} minimum. 
XX/XX/XXXX : Paid {$260.00} against a {$160.00} minimum. 
XX/XX/XXXX : Paid {$830.00} against a {$160.00} minimum. 

This history shows a clear pattern of responsible repayment and efforts to reduce my balance. At no point in those cycles did Amex charge me a late fee or report me as delinquent. 

Penalty APR and Late Fee My XX/XX/XXXX statement required a minimum payment of {$170.00} by XX/XX/XXXX. That date fell on a Saturday. My payments posted on Monday, XX/XX/XXXX, the next business day. Amex imposed a {$29.00} late fee and raised my APR to the maximum penalty rate of 29.99 %. 

However, according to my Experian credit report, I have never been reported late on this account. This demonstrates that I was not delinquent for credit reporting purposes, yet Amex imposed the harshest penalty possible for a payment that was only two days late due to a weekend due date. Applying the maximum APR in this situation is excessive and punitive, particularly given my repayment history. 

XXXX XXXX XXXX Reduction In XX/XX/XXXX, Amex contacted me and demanded that I pay {$920.00} within 3 days to avoid a reduction in my credit limit. This requirement is not disclosed anywhere in my Cardmember Agreement. When I could not meet this arbitrary deadline, Amex reduced my limit from {$5000.00} to {$4100.00}. This reduction increased my utilization ratio and harmed my credit score, despite the fact that I was making regular payments and lowering my debt. 

The Cardmember Agreement does allow Amex to change credit limits, but it does not authorize conditional pay-or-else demands tied to short-term lump-sum payments. This practice appears coercive and designed to force payments under threat, not to manage risk in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: FL

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I am submitting this complaint regarding Cash App 's unfair handling of my account. Cash App closed my personal account, citing a violation of their " community guidelines, '' but they did not specify which guideline I allegedly broke. I appealed their decision, but they denied my appeal and permanently closed my account without giving a clear reason or explanation. I explained to Cash App that I primarily use my account for my business and asked if they could convert it to a business account instead of closing it, but they did not provide this option. After my account was closed, I attempted to create a new Cash App account specifically for business use. However, every time I attempted to verify my Social Security Number ( SSN ), Cash App would immediately close the account again. I have called Cash App customer support numerous times to try to resolve this issue. Each time, representatives ask me for the email linked to the closed account. When I provide it, they state they can not find the accountwhich I have already explained is because they closed it. None of the representatives seem to understand my situation or provide a real solution. This issue is preventing me from running my business effectively, as I used Cash App to receive payments. I believe my account was closed in error, and after doing some research, I have discovered that this same issue happens to many other people daily, leaving them without access to their funds or the ability to use the platform again. I am requesting that Cash App : Provide a clear explanation of what specific guideline I allegedly violated. Allow me to reopen my account or create a verified business account. Ensure that my SSN is not being automatically flagged or blocked without cause. This situation has been frustrating and has negatively impacted my ability to operate my business. I believe Cash Apps handling of this matter is unfair and lacks transparency, and I am seeking CFPB assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-21 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) 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 non-monetary relief