vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: GA

Complaint narrative:
Dear Equifax : A. Personal Information & Alerts Name/Address harmonization : Retain only XXXX XXXX and current address ; purge unsupported name variants and old addresses that do not match my ID. 
Initial XXXX XXXX present : Confirm proper 605A handling and that no adverse coding depresses scores. 
XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Credit Card ( opened XX/XX/XXXX ) XXXX late history present You show Open/Current, XXXX XXXX with a XXXX late ( matching TU ). Produce running statements/ledger for the late month ( s ) showing due date, posting date, and aging. If not produced, delete the late or the entire derogatory coding. 
XXXX : XXXX ( Status ), XXXX ( Payment Rating ), XXXX ( Payment History ), XXXX ( Date Info ), XXXX ( Last Payment ). 
XXXX. XXXXXXXX XXXX XXXXXXXX Second CC entry ( Acct ending XXXX ) : Account disputed/ Consumer disputes this account information. 
If no active dispute exists, remove the dispute remark/XB code to prevent misleading users of the report. Provide MOV. 
XXXX. XXXX XXXX XXXX ( opened XX/XX/XXXX ) Confirm Open/Current with accurate {$4000.00} limit and dates. Remove any stale dispute flags. Provide MOV. 
XXXX. XXXX XXXX XXXX ( opened XX/XX/XXXX ; Closed ; status : Collection/Chargeoff ; balance {$15000.00} ; DOFD XX/XX/XXXX ) Verification required : Provide full ledger, charge-off accounting, XXXX, chain of title/assignment if sold, and obsolescence date ( reporting limited to 7 years + 180 days from XXXX ). Any re-aging or inconsistent XXXX violates 607 ( b ) and 623 ( a ) ( 5 ). If you can not document, delete the tradeline. 
XXXX : 12 ( Status ), 17 ( Rating ), 25 ( High Credit/Original Amount ), 32 ( Balance ), 35 ( History ), 37 ( Date Info ), 40 ( Last Payment ), DOFD/Compliance Date. 
XXXX. SUMMIT A * R Medical Collection ( {$980.00} ; Acute Physical Therapy ; reported XX/XX/XXXX ) Provide itemized bill/EOB, provider authorization/HIPAA-compliant disclosure, assignment/chain of title, and XXXX. If not produced, delete. 
XXXX : XXXX, XXXX, XXXX, XXXX, XXXX. 
XXXX Remedies Sought Same demands as stated to Experian ( independent reinvestigation, correction/deletion, remove stale dispute/XB codes, MOV in 30 days, GLBA/Reg V breach disclosure if applicable ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Meta Payments Inc.
State: NV

Complaint narrative:
I was sent a payment of {$210.00} through XXXX XXXX. The XXXX XXXX app notified me of the payment with a message that says {$210.00} Payment pending Add a debit card to accept it with a button that says accept money on it. If I press the accept money button it gives me detailed about who sent the money and even details about my debit card which is already on file with XXXX XXXX. There is another button on this screen that says accept money but when I press it the screen just goes white and nothing happens. I contacted support and let them know what was happening and they said I need to update the app but the app is already up to date and then they said they will let me know when they figure it out. This was a few days ago. Then I got this message from them If you have an issue that needs attention, please visit the following link : XXXX XXXX XXXX but the link doesnt even go anywhere. I am unable to accept the money and it is going to be returned to the sender after several days. They are acting like they want to help me when I talk to them but then they send me broken links that go nowhere and have not resolved the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Review of XXXX monthly statement which Aidvantage provides monthly show increasing interest being taken out of the monthly payment on a decreasing loan amount. Payment are being made regularly on a monthly basis. I've called at least 5 times, the first line customer service department reviews the statement and AGREES the interest does not look correct, they send an email to the financial department and I receive an email that shows EXAMPLES of how the interest is calculated and does not address the specific issue. You can not talk to someone at the financial department only the front line customer service department. On a separate issue, we received an email advising due to severe weather conditions our payments were suspended for 3 months. We were NOT advised that when the payments resume our monthly payment would be applied 100 % toward INTEREST, no principle. There was not advance notice this is how the payments would resume. All the front line customer service people will do is send an email to the financial department the public is not able to talk to the at all. Even the front line customer service department can not provide details on how the interest/principle allocation was calculated on those specific months. This is a SCAM! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-19 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 disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC
State: FL

Complaint narrative:
I been paying this credit line but the balance went down very little down look like so much interest!!

Company response to consumer: Untimely response
Consumer complaint received 2025-10-19 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:
Please rectify the mistake in my account by deleting the incorrect late payment entry. My payment history has always been punctual, and such an error has caused me distress and sleepless nights. I urge prompt correction to restore accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Formal Demand for Immediate Removal of Reinserted Fraudulent Accounts FCRA 605B, 611 ( a ) ( 5 ) ( B ), and Related Case I am XXXX XXXX the natural person consumer identified in the FDCPA and FCRA. I am submitting this formal written dispute under the Fair Credit Reporting Act ( FCRA ) concerning several fraudulent accounts that were previously deleted and have now been improperly reinserted into my consumer report, despite my FTC Identity Theft Report and supporting documentation showing I am a verified victim of a data breach and identity theft. 

On XX/XX/XXXX, I received written notification from XXXX  confirming that my personal information was exposed in a data breach. Since then, the following accounts previously disputed and deleted have been reintroduced to my credit file without proper notice or permissible verification : -Digital XXXX Closed XX/XX/XXXX -XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Closed XX/XX/XXXX XXXX XXXX XXXX  Closed XX/XX/XXXX Under FCRA 605B ( 15 U.S.C. 1681c-2 ), any consumer reporting agency is required to block identity theftrelated information from a consumer report within four ( 4 ) business days of receiving : 1. Proof of identity, 2. An Identity Theft Report ( FTC or law enforcement ), and 3. A statement identifying the fraudulent information.

Furthermore, under FCRA 611 ( a ) ( 5 ) ( B ), if information previously deleted is reinserted, the bureau must certify the accuracy of the information with the furnisher and notify the consumer within 5 business days.

I have received no such certification or notice, making this reinsertion a direct violation of the FCRA.

Supporting Case Law Federal courts have consistently upheld consumer rights under these sections : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : The court ruled that credit bureaus have a duty to conduct a reasonable reinvestigation and may not rely solely on automated verification by furnishers. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Reinsertion without proper verification was held to be a willful violation of the FCRA. 
XXXX v. Equifax XXXX XXXX. XXXX, XXXX XXXX XXXX ( XXXX. XXXX. XXXX ) : Re-including deleted data without notification constitutes a violation of 611 ( a ) ( 5 ) ( B ).

Given these legal precedents, your agency is required to immediately and permanently delete all reinserted fraudulent accounts listed above. Continued reporting of these accounts constitutes willful noncompliance under FCRA 616617, exposing your agency to civil liability, statutory damages, and legal costs.

Included Documentation : Copy of my government-issued ID Proof of current address Copy of FTC Identity Theft Report ( [ Case # XXXX Copy of XXXX  Data Breach Notification

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: MI

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX and I never made a transaction of {$800.00} to XXXX XXXX and he stole my money. I want my {$800.00} back. this was on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: AR

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
This account has caused ongoing stress and disrupted my sleep. I have enclosed all proof for verification and ask for its immediate removal.

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 2025-10-19 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: GA

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
This inaccurate account has caused me emotional turmoil and sleepless nights. Ive provided all necessary documentation for its deletion.

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 2025-10-19 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: DC

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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: MO

Complaint narrative:
I am writing to dispute inaccurate account information and deceptive reporting based on reporting it appears there was a loan taken out. That is not factual nor accurate. It is my position that this is a relationship tool used by XXXX XXXX  to build a banking relationship and is inaccurate on its face. I am demanding that XXXX XXXX XXXX remove all 3 accounts immediately.

Under the Fair reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified, send me copies of the documents that you have in your files that were used to verify the Hard Inquiries.

If you do not have any documentation in your files to verify the Hard Inquiries, and accuracy of this disputed Hard Inquiries, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15U.S.C. 1681i, all unverified accounts information must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within 30 days of receipt. Of this letter then you must remove the Hard Inquiries from my credit report.

Under the Fair Credit Reporting Act, consumer reporting agencies must ensure that all account information is accurate and fair. Please re-investigate and remove all accounts that can not be verified. I have provided attachments clearly identifying the inaccuracies on XXXX, XXXX, and Transunion credit reports. 
Requested remedy : I am requesting that XXXX XXXX  XXXX  provide the documents listed below or inaccurate information be removed immediately from all credit reporting agencies. 
XXXX. All emails, notes, transcripts of conversations related to my issue which was handled by XXXX XXXX XXXX XXXX XXXX ) XXXX Email : XXXX XXXX. Investigation methods, notes, emails used to verify these accounts by XXXX XXXX XXXX Specialist Lending Operations Please complete your re-investigation within the statutory period and mail an updated copy of my credit report to the address above. If your re-investigation finds that any of the above validating information is inaccurate you are required to remove this account for XXXX, XXXX, and Transunion.

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 2025-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
i sent money to wrong person & they cant refund becouse of money owed to the company took it instantly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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