vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-25 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-12-25 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am disputing multiple hard inquiries from Capital One that appear on my Experian credit report. 

The inquiries dated XX/XX/year> and XX/XX/year> were not authorized by me. I did not apply for credit, open an account, or give Capital One permission to pull my credit. 

These inquiries are reporting as hard inquiries and are negatively affecting my credit score. Under the Fair Credit Reporting Act ( FCRA ), unauthorized inquiries must be removed. 

I am requesting Capital One provide documented proof of authorization or immediately remove these inquiries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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: MO

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account on my consumer reports with inconsistent and inaccurate information across the credit bureaus. The account is reported as closed on XXXX  and is being reported as open and active on EXPERIAN and XXXX I requested proper det validation under the FDCPA and FCRA. In response, XXXX XXXX XXXX provided only a copy of the original creditor contract and transaction history. They failed to provide a BILL OF SALE, CHAIN OF ASSIGMENT/CUSTODY, and or proof that they legally own the det OR have authority to collect in the state of MISSOURI. 
As a third-party debt buyer, XXXX XXXX XXXX is required to demonstrate ownership and legal standing to collect and report this debt. Reporting materially different account statuses across bureaus constitutes inaccurate and misleading credit reporting under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

Because XXXX XXXX XXXX can not substantiate ownership or reporting accuracy, the continued reporting of this account is harmful, unverifiable, and must be deleted from all consumer credit reports. 
( Screen shots attached )

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 2025-12-25 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: MO

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account on my consumer reports with inconsistent and inaccurate information across the credit bureaus. The account is reported as closed on EQUIFAX and is being reported as open and active on XXXX XXXX XXXX I requested proper det validation under the FDCPA and FCRA. In response, XXXX XXXX XXXX provided only a copy of the original creditor contract and transaction history. They failed to provide a BILL OF SALE, CHAIN OF ASSIGMENT/CUSTODY, and or proof that they legally own the det OR have authority to collect in the state of MISSOURI. 
As a third-party debt buyer, XXXX XXXX XXXX is required to demonstrate ownership and legal standing to collect and report this debt. Reporting materially different account statuses across bureaus constitutes inaccurate and misleading credit reporting under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

Because XXXX XXXX XXXX can not substantiate ownership or reporting accuracy, the continued reporting of this account is harmful, unverifiable, and must be deleted from all consumer credit reports. 
( Screen shots attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: AR

Complaint narrative:
This entry is not mine and appears on my report due to inaccurate reporting; please investigate and correct this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Even though the balance was paid off, the account is still being reported with late payments ; this is misleading and must be corrected.

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 2025-12-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Meta Payments Inc.

Complaint narrative:
Dear XXXX XXXX, XXXX XX/XX/year>, my XXXX account was disabled due to a copyright claim. The content that was removed is my own original work, fully created and produced by me. I submitted a copyright counternotification because the takedown was a mistake and the material was misidentified. I have already provided a formal statement confirming my ownership and my goodfaith belief that the removal was incorrect. I kindly request a review of my appeal and the restoration of my account. Thank you for your attention. 

Copyright Appeal : XXXX XXXX XXXX XXXX XXXX, I, XXXX XXXX XXXX XXXX am the sole owner of all rights to my content, including the content in question. I created and produced this material myself, and I have full legal authority to use, publish, and distribute it. I am ready to provide any supporting documents upon your request. Thank you. 

I swear, under penalty of perjury, that I have a good faith belief the material was removed due to a mistake or misidentification of the material to be removed or disabled. 

I consent to the jurisdiction of the Federal District Court for the district in which my address is located, or if my address is outside of the United States, the judicial district in which XXXX XXXX is located, and will accept service of process from the claimant. 

XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX XXXX XXXX Al XXXX XXXX, XXXX XXXX No. XXXX Mailing address : Al XXXX XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am disputing a " billing error '' regarding Chase and their refusal to protect my account from a deceptive merchant, XXXX. This merchant used a " negative option '' trap where a {$1.00} trial was converted into an unauthorized monthly subscription of {$29.00} without my clear, affirmative consent. 
I have been charged for XXXX  months. When I contacted my bank to dispute these as unauthorized charges, they denied the claim, stating it " was not fraud. '' I am formally appealing this under the Fair Credit Billing Act ( XXXX ) and XXXX XXXX  The merchant failed to provide clear and conspicuous disclosures and does not provide a simple cancellation method.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX is the original creditor and Hunter Warfield is the furnisher of a debt claimed by the creditor to be owed by me for rent arrears. This debt is being falsely represented by both of the above mentioned companies, directly and indirectly, expressly and by implication. I have recently been denied by landlord of XXXX XXXX XXXX  for affordable HUD housing as a result of this false debt having appeared as a rental collection account on my residential screening report. 

The furnisher of this debt has deceived the CRAs including the resident screening company, as they managed to deploy unfair and unconscionable debt practices to attempt to collect this bogus debt of which I absolutely do not own. 

This debt is illegally reported, and the debt furnisher Hunter Warfield and creditor XXXX XXXX have violated FDCPA, FCRA, FCRAs Furnisher Act, and FTC Acts in their underhanded means of unethical reporting to CRAs and immoral methodology of collecting a debt that is not owed by me.

In the following paragraphs, I have provided details explaining several instances by which my consumer protection rights have been violated by the debt collector and the creditor of this fraudulent debt -- 1. ) ILLEGAL " DEBT PARKING '' : Upon review of information on a XXXX Residential Credit Report conducted by my potential landlord for XXXX XXXX XXXX, I learned that my housing rental application was denied as a result of the appearance of a fabricated debt associated with my previous landlord XXXX XXXX XXXX XXXX. This debt was never communicated to me, and the debt had been passively " parked '' on a residential background screening as a rent/property collection. 

2. ) DUPLICATE REPORTING : The debt is currently being reported as follows -- as a Collection account on a credit report with XXXX  & as an Open account on a Residential Screening Credit Report with XXXX.

3. ) NO PRIOR NOTICE & LACK OF DEBT VALIDATION : In violation of FDCPA Regulation F, 1006.30 ( a ), Hunter Warfield furnished the debt to CRAs prior to contacting me, and Warfield failed to disclose legally required validation information pertaining to the debt, including -- original creditor 's name, debt furnisher 's name, instructions for disputing the debt, and a legal notice to inform me of my consumer rights. 

4. ) NO PRIOR LEGAL NOTICE BY ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX did not provide me with the legally required notices prior to handing the debt to furnisher Hunter Warfield. Further, the creditor failed to contact me in an effort to request this baseless debt balance from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Goldman Sachs ( Apple Card ) for inaccurate and harmful credit reporting. 

I was a joint user on an Apple Card account with XXXX XXXX. XXXX XXXX filed for XXXX XXXX bankruptcy, which was later discharged in his favor. I did not file bankruptcy. 

After contacting Apple Card support, I was informed that the account was closed solely because it was included in the other cardholders bankruptcy, and I was told that the account would reflect a {$0.00} balance and would be considered paid. I was also told I could not continue making payments or keep the account open. 

Despite this, Goldman Sachs has reported the account on my credit report as having missed payments, charge-off/collection status, and negative payment history, causing an approximately XXXX drop in my credit score. I have tried disputing multiple times and they will not delete the negative information. 

This reporting is inaccurate and unfair because : I did not file bankruptcy I was prevented from making payments The account was closed involuntarily The balance was discharged Negative payment history since the filed bankruptcy does not reflect my conduct This appears to violate the Fair Credit Reporting Acts requirement that information be accurate and verifiable.

I am requesting that Goldman Sachs : 1. Correct account to reflect {$0.00} or delete this tradeline from my credit report, and 2. Remove all negative payment history associated with this account.

I respectfully request your assistance in ensuring this matter is resolved promptly and accurately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit report agency, block information appearing on my consumer credit report due to the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Account Name : DEPTEDXXXX, Account Number : XXXX, Account Name : DEPTEDXXXX Account Number : XXXX, Account Name : DEPTEDXXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : DEPTEDXXXX Account Number : XXXX, Account Name : DEPTEDXXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX, I had my card taken off my apple pay at XXXX pst by wellsfargo, when I asked them about it they were evasive and hung up on me. I called again on XX/XX/year> and was told they had sent me a new card, I did not need a new card nor did i consent to this, on XX/XX/year> I went to my atm to get money out of my account, I was told my pin was wrong and to call wellsfargo. I called wellsfargo to figure out what is going on and i was told that they changed my pin without my knowledge or consent once again. I believe all of this is in retaliation to the complaint i made through consumer affairs on XX/XX/year>. I need to get my 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 2025-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Relay Financial (US), Corp.
State: MN

Complaint narrative:
I am submitting this complaint regarding the blocking of my business bank account. I have started a company, XXXX XXXX, and opened a business account with Relay Bank. Unfortunately, this is the account that has been blocked, and I am now facing difficulties accessing my funds. 


Here is the situation : I performed work for a client, and the payment included the cost of materials. The client paid me for XXXX invoices with a single check amounting to {$2400.00}. I provided the bank with all necessary documentation, including the invoices and my correspondence with the client confirming the payment details. After some delay, the bank credited these funds to my account. 

On XX/XX/XXXX, I transferred {$800.00} to my subcontractor ( a XXXX XXXX ). The funds reached him on XX/XX/XXXX at around XXXX XXXX  and just XXXX minutes later, at XXXX XXXX I received a notification that my account was blocked. 

Since then, more than 23 days have passed, and I still have no access to my funds. Each time I contact the bank, they give me a generic response asking me to wait another XXXX days, or even up to 45 days for an investigation. Despite my repeated calls and attempts to resolve the issuewaiting on hold for long periods and being assured that someone would handle itnothing has changed. I continue to receive the same automated replies. 

I am requesting CFPBs assistance in investigating this matter and helping to restore access to my funds. I have provided all the necessary evidence to the bank, and this prolonged blockage is causing significant financial inconvenience. 

Thank you for your attention and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN ( last XXXX ) : XXXX XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX Date : [ Insert Date ] Discover Card XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Formal Request for IRS Form XXXX Charged-Off Account Account : Discover Card Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Dear Discover Card, I am writing regarding the above-referenced account, which is currently being reported on my XXXX credit report as Charged-Off Unpaid Balance Charged Off with a balance of {$3800.00}. 

According to my credit report : Date Closed : XX/XX/XXXX Pay Status : Charge-off Remarks : Unpaid balance charged off Last Payment : XX/XX/XXXX Pursuant to XXXX U.S.C. XXXX and applicable IRS regulations, a creditor that has cancelled, forgiven, or discharged a debt of {$600.00} or more is required to issue IRS Form 1099-C to the consumer and the Internal Revenue Service .

Because this account has been charged off, please provide one of the following within 30 days : 1. A copy of the IRS Form 1099-C issued for this account, including the date of discharge and amount cancelled; or 2. Written confirmation that no debt has been cancelled, along with a detailed explanation of how the account remains legally enforceable while being reported as a charge-off with a continuing balance. 

If a 1099-C has been issued, continued reporting of an outstanding balance may constitute inaccurate and misleading reporting in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and XXXX XXXX reporting standards. 

This letter is not a refusal to pay, but a lawful request for clarification and documentation required under federal law. 

Failure to provide the requested documentation will leave me no alternative but to pursue remedies including : Formal disputes with all credit reporting agencies Complaints with XXXX IRS, CFPB, and State Attorney General Documentation of willful non-compliance Please respond in writing only to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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: GA

Complaint narrative:
PayPal , Inc. permanently suspended my account and is withholding over {$2000.00} of my funds without providing a specific explanation or meaningful opportunity to dispute the action. 

On XX/XX/25, PayPal notified me that unusual activity was detected and temporarily restricted my account. The notice instructed me to restore account features by submitting government-issued photo identification and changing my password, stating the review would be completed within one business day. 

On XX/XX/25, I fully complied by uploading a valid drivers license and updating my credentials. Despite successful verification, on XX/XX/25, PayPal informed me that my account had been permanently deactivated following an internal review, citing unspecified unusual activity without identifying any policy violation, transaction, or wrongdoing. 

PayPal is now holding over {$2000.00} in my account for up to 120 days, preventing access to my own funds. Prior to this incident, my account was in good standing, with no prior violations, and I have used PayPal services for years. 

I believe PayPals actions lack transparency, are disproportionate, and constitute an unfair withholding of consumer funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
The credit company was informed on XX/XX/year>, that this account was compromised and involved in identity theft. The account was reported as part of an identity theft investigation and reported to the Federal Trade Commission on XX/XX/year>. The creditor company failed to comply with the request.

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 2025-12-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
I have talked with Bridgecrest several times about the payments and they say oh sorry we dont have control of this. I know I have a high XXXX but if I owe XXXX and pay XXXX I think XXXX dollars towards principal is a rip off.

Company response to consumer: Closed with explanation