vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are no public records on my report, and I am pleading with you to remove these incorrect details as soon as possible. The situation is causing me significant stress, and I will not tolerate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are no public records on my report, and I am pleading with you to remove these incorrect details as soon as possible. The situation is causing me significant stress, and I will not tolerate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: GA

Complaint narrative:
I repeatedly requested proof of this debt in XXXX  but Aargon Agency has not produced sufficient documentation. Please consider this a formal dispute and request for validation under the FDCPA.

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 2025-11-07 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Per my credit card agreement, I am seeking to reopen my dispute at American Express Company, which refuses to correct a billing dispute on my bank statement. I formally request from the credit card issuer, merchant, and merchants bank the business opportunity disclosures required by FTC Federal Trade Commission, Rule 16 C.F.R. Part 437 & 15 U.S.C. 41-58. and the Earnings claim statement required by law. The Commission has extensive law enforcement experience challenging misleading earnings claims under section 5 of the FTC Act, 15 U.S.C. 45. I was never issued an earnings claim statment nor a business opportunity disclosure. This begs the question of the legitimacy of the merchant and the reputation of the merchant 's bank not knowing their customer 's business and not proactively protecting the market from financial crimes and reducing the risk of fraud with proper screening and diligence. Per the Internet Crime Complaint Center, I request a recall and a hold harmless letter, and all evidence and internal notes used to decide the outcome of the previous dispute from American Express Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The term " investigate consumer report * means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

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 2025-11-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
Improper Collection Reporting I dispute the LVNV Funding collection account number XXXX. LVNV is reporting balances and dates inconsistently across bureaus, violating FCRA 607 ( b ). No documentation proving assignment or ownership has been provided. Under 611 ( a ) and 623 ( a ) ( 3 ), unverifiable accounts must be deleted.

LVNV Funding is reporting a collection account that originated with XXXX. I never signed any contract or agreement with LVNV Funding authorizing them to collect any money or assume ownership of this alleged debt. I have no relationship or account directly with LVNV Funding.

When I requested validation and proof of ownership, LVNV did not provide any documentation showing a legal assignment or transfer of the account from the original creditor. Despite this, they continue to report a balance and payment history to the credit bureaus. The balances and dates being reported are inconsistent across bureaus, which violates FCRA 607 ( b ) regarding the requirement for maximum possible accuracy.

LVNVs reporting constitutes an attempt to collect a debt not legally owed to them and an unverified representation of ownership. Under FCRA 611 ( a ) and 623 ( a ) ( 3 ), unverifiable or inaccurate information must be corrected or deleted. I am requesting that this account be fully validated with written proof of ownership or removed from my credit reports entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
I was at a XXXX XXXX in XXXX XXXX of XXXX XXXX California and i tried to withdrawal money out an atm ( this happened to my friends to I was with that night & we suspected it was a fake arm ) and it wasn't working and i was the one doing it this is my account i am XXXX XXXX XXXX XXXX, after i had left the XXXX XXXX i got back home woke up & cashapp suspended my account. I tried today to withdrawal funds out of cashapp to my bank and it did not work and it gave me the l have been suspended from cashapp message. I have pending money I sent to someone and it is frozen and its just pending for weeks. I cant pull my money out either because my account is suspended. I wrongfully suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, a charge of {$52.00} was withdrawn from my Chase checking account by XXXX XXXX XXXX ( ACH ID : XXXX ). I have never signed up for XXXX XXXX or authorized any payment to them. I checked all my emails and accounts, and I have no subscription or record of agreeing to their services.

I contacted Chase right after I noticed the charge, but they have not resolved the issue or refunded my money. They told me they can not reverse the transaction even though it is clearly unauthorized. This has caused me financial stress and concern about the security of my account.

I am requesting that this unauthorized transaction be investigated and that I receive a refund for the {$52.00}. I also want Chase to improve their process for blocking future unauthorized ACH debits like this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Account created at BofA on XXXX Funds transferred to new BofA account in the amount of {$420.00} on XXXX Couldnt log into BofA account, they said they will send a temporary password in the mail so I waited for it, when I received it I still couldnt log in. 
I called BofA where they notified me the account was closed on the XXXX Account closed between XXXX XXXX XXXX with no warning Arrived at BofA XXXX on XX/XX/XXXX same day and opened an account I inquired about my money in the last account amounting to {$420.00} and they confirmed it was sent out by mail on XX/XX/XXXX I didnt receive my mail for XXXX business days days and the rep said standard is XXXX so I waited and XXXX  days passed and still nothing. 
I called again and the other rep said XXXX  days, it has now been passed XXXX  days and still no information about the check, they said they cant track the check and if it doesnt arrive I will have to wait XXXX  days How am I expected to survive missing that much of my income for XXXX  months? 
In this economy losing that much money so sudden is scary and I want to get to the bottom of this. 
As of today XX/XX/XXXX still nothing, I have usps informed delivery and still nothing. 
No email about the check being sent out, no mail about it, no tracking, no information, no proven confirmation. Im just left in the dark completely.

I need a realistic solution or I will be forced to escalate this further because I need that money.

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 2025-11-07 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: VA

Complaint narrative:
Transunion is reporting accounts on my credit file that I do not believe belong to me. These accounts are inaccurate, unverifiable, and reporting without permissible purpose. The reporting of this false information is a violation of my rights under the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires consumer reporting agencies to maintain only accurate and verifiable information. Please see attached documents. Please see attached documents.

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 2025-11-07 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:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2025-11-07 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:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: DC

Complaint narrative:
I dispute the Capital One revolving credit card tradeline ( Acct # XXXX ) appearing on my credit reports as charged off with a {$470.00} balance. I never missed payments and received no notice of delinquency or opportunity to dispute. Yet XXXX, XXXX, and XXXX  continue reporting this false charge-off in violation of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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 have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

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 2025-11-07 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: CT

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I currently live in the XXXX but accidentally sent a small amount of money to my USA Paypal account. I have access to the account and can see the money in my account. However, there are only two options for obtaining the money- accept the money into the Paypal account or transfer to a bank. The first option to accept the money is not accessible to me as I no longer have access to the USA phone number which is the last step in accepting the money. You are unable to change the number to a XXXX number. Option two is also not accessible to me as Paypal has a minimum withdraw to a bank account and so I can't do this.

I got in touch with Paypal via the chat thinking they would be able to help but their response was shocking. They seem to have a bot replying who doesn't understand the situation and the responses are incoherent at best. It told me firstly to call their help line in the US which I explained I can't do as I'm in the XXXX. Their next solution was to change my USA number to a XXXX number which isn't possible on Paypal. There is no option for an email secondary authentication either, only the mobile number. 

I asked to make a complaint thinking I could get in touch with someone sensible and was ignored. They have also removed the complaints page on Paypal so this isn't an option either. I have maintained a copy of the conversation which is embarrassing for Paypal. They refused to continue the conversation with me and simply closed the chat without any remedy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: CT

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Merchants these days are relying in third party outsourced and charges are made on accounts multiple times or applied in holds that last for several weeks and are therefore charged into the customer balance whether you owe the funds or not. Particularly XXXX, and other merchants like transit department I tried to purchase a daily pass and was charged twice because Capital One declines the transaction and when you do it for the second time appears as two transaction approved although you first try was declined by the credit card. So, you see different merchants duplicate transactions but capital one is unwilling to work with customers to resolve the double charges. you as customer has to take it and to pay it as there is not resolution on their end. So this is like scam because they do this to several times to several customers and there is a lot of money been scammed in disputes that should not be in first place. That is my first part of the dispute, the second part of this dispute is the payment. Capital One is preventing me to pay for a full balance. Capital One send me an email notification but does not allows me to make a payment in full of the amount i owe to them. tehn reports me as higher balance. Capital One is doing this for a while. So I keep one of their card in high balance until this is resolved. They must be penalized for not allowing a customer pay their balance once they know the charges have been made and they notify that your credit limit has been fully used. I have screenshots of the message they sent me via their page either on my phone or while on my laptop.I don't see why a credit card will not accept payment.when they are aware the charges has been made particularly if close to their deadlines for statement cut dates.I believe Capital one violates the consumer rights, and does bad reporting. Their out of USA teams abuse the American right of reporting to Credit Bureaus. Credit Bureaus are part of this scam because are handled by XXXX  and XXXX  when that so sensible information should be kept and handled inn USA. Credit card companies and credit bureaus companies MUST BE REPATRIATED AND NOT ALLOWED TO BE FOREIGN UNDER NO CIRCUNSTANCES. Then who is to blame for the leak of personal information?

I demand that capital one must provide me service and verification options not using my sensible information but using the account information. Not my DOB of my SS #

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am writing to formally request a review of an unexpected and deeply disappointing reduction to my credit limit on my XXXX XXXX XXXXXXXX account ending in XXXX. 

As a long-standing Barclays customer XXXX I have consistently demonstrated responsible financial behavior. I have never missed a payment and have made substantial efforts this year to pay down my balance. Specifically, I paid {$5000.00} on XX/XX/year>, and another {$4000.00} on XX/XX/year>, in addition to maintaining my regular monthly AutoPay payments.

To my surprise, immediately following my most recent large payment, I received a notification dated XX/XX/year>, stating that my credit limit was reduced from {$15000.00} to {$5000.00}. This decision appears targeted counterintuitive, discriminatory and penalizes the very behavior that reflects fiscal responsibility. 

Such a drastic reduction, particularly after significant payments, negatively impacts my credit utilization ratio and, in turn, my credit score. I am actively working to improve my overall financial standing, and this action by Barclays undermines those efforts. 

I respectfully request that Barclays reconsider this decision and reinstate my previous credit limit. I have attached documentation reflecting my payment history and the credit line notifications for your review. It seems large payments are a target for review when Im just trying to do the right thing and pay down my debt. I opened a debt consolidation loan to help now Barclays is using that against me because they arent making enough money off my account. 

Thank you for your time and attention to this matter. I value my relationship with Barclays and hope this situation can be promptly resolved in a manner that reflects fairness and mutual respect.

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