vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-05 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I only have one address that should be reported and that is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Thats been my only address and should be the only one reflecting on my profile.

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 2025-10-05 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
My care credit account was closed due to inactivity, I had juat recently made a payment, my credit limit was XXXX and was closed. I contacted the care issuer and asked could it be reopen because I im in the process of deciding on a procedure and now the account. This impacts my credit. I was told I have to apply again which is a hard inquiry.

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 2025-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  owner XXXX refused to sale me her puppies and refused to refund the money paid through Block ink cash app nothing. {$1200.00} XXXX Block Ink better known as cash app was contacted they refused to take any action. I was not aware they didnt protect the customers like Pay Pal. However my youngest child has lost her beloved puppy due to a hit and run accident that she purchased from XXXX before so I thought this transaction would go smoothly as before. But I was wrong she was being paid through the cash app chain for two puppies. I was going to get one as well she had worked with my youngest child before so I was just in the background paying for the puppies. She refused to sale us any puppy XXXX XXXX and refused to return the money requested through the cash app chain. Cash app was contacted as well they was rude and refused to help said it was nothing they could do contact the bank. Which was not known again I was use to working with Pay PAL so I knew this company was similar so I thought we was protected from matters like such l plus we had no idea this older woman would turn so evil and cold and not sell us the puppies or puppy and would not refund the money. Again my younger child had been a customer before she got a chocolate male schnauzer she named bandit who was killed. So she wanted to go back to her in honor of him.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
I am contacting you regarding the account you are reporting under Midland Credit Management , Inc. in the alleged amount of {$1400.00}. 

This is not a valid debt. You have previously been unable to provide any documentation verifying its existence. There is no signed contract, no payment history, and no legitimate record connecting me to this alleged account. 

Furthermore : XXXX. Time-Barred Debt Under Oklahoma law ( 12 OK Stat 95 ( A ) ( 1 ) ), the statute of limitations on written contracts is five ( 5 ) years. The original account ( XXXX XXXX XXXX XXXX, XX/XX/year> ) is far outside this limit and is not legally enforceable. 
XXXX. FCRA 7-Year Reporting Rule Even if valid, the Fair Credit Reporting Act ( 15 U.S.C. 1681c ) prohibits reporting of such accounts beyond seven ( 7 ) years from the date of first delinquency. This account has aged out and must not appear on my credit file. 
XXXX. Repeated Re-Aging & Reselling This account has been deleted multiple times from my credit report, yet you continue to re-age and resell it. This is a violation of the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ) and the FDCPA ( 15 U.S.C. 1692e ), which prohibit misrepresentation of a debts status.

Therefore, I demand the following : Immediate deletion of this account from all credit bureaus ; This is the FOURTH time I have addressed this made up debt, yet it is resold and redated as new.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: SC

Complaint narrative:
XXXX  feature is, and has for the past 2 years, glitching and causing consumers to repay the full amount and offers the XXXX balance in increments of {$5.00} to {$10.00} per day until your next payday. This has caused several hardships and I have had the company fix this issue XXXX  times in the past. Depending on which XXXX you get they will either fix the issue or recite XXXX XXXX that does not correlate with the issue. 
XXXX XXXX XXXX is {$440.00} with a {$2.00} instant fee ; the consumer uses it and owes {$440.00} at payday. So if your check is {$500.00}, {$58.00} is all you will have to make it til next payday

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
On XX/XX/year>, I applied online for an apartment at XXXX XXXX  ( managed by The XXXX XXXX XXXX XXXX ) and paid {$550.00} ( {$500.00} refundable hold fee + {$50.00} nonrefundable application fee ). Payment confirmation : XXXX. 

After the virtual showcase, I found the area unsafe and requested to view other properties by the same company. None met my expectations, so I withdrew my application on XX/XX/year>, before any approval decision or lease signing, and requested a refund of my {$500.00} hold fee per their refund policy. 

A representative confirmed via text that my application was cancelled, yet no refund was issued. I contacted Huntington Bank to dispute the transaction, but they declined, claiming the entire {$550.00} was a nonrefundable application fee. This is incorrectthe leasing agent confirmed in writing that {$500.00} was refundable and {$50.00} was not, consistent with the companys own Leasing Fees Refund Policy. 

I am not disputing the {$50.00} application fee, only requesting my {$500.00} refundable hold fee. The companys lack of communication and failure to honor its stated policy, along with the banks misclassification, constitute unfair and misleading business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I was notified that I had 90 days after account closure in order to transfer my points to another partner or another card. Today, on XX/XX/XXXX, XXXX notified me that they have closed out my card and issued my points as a check to be mailed to me. I did not ask for this and I preferred to take the points, and I like XXXX know as such. Chase deemed the value of my points to be {$330.00}, but the point transfer is worth nearly XXXX that amount on a partner. I would like to file a formal complaint and receive the value of my points Based on fair market value, not on Chases inaccurate determination

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Date : XXXX To Whom It May Concern, Im reaching out because XXXX  is helping [ Capital one account # XXXX put incorrect information on my credit report related to the account below : Account Name : capital one Account # XXXX As Defined by the IRS : The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this doesnt belong on a credit report, so this information on my report isnt accurate.

By IRS rules, any canceled debt or charge-off is classified as income. Reporting this as debt is incorrect.

According to 15 USC 1681 s-2, [ Creditor/Account Name ], as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. Im requesting that you delete this inaccurate information from my report right away.

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) : A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and the information is, in fact, inaccurate.

In summary, Ive shown you that this information is wrong, and youve been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency. 

Please delete this incorrect information from my report immediately. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: TX

Complaint narrative:
TransUnion has repeatedly verified and continued reporting inaccurate information on my credit file since my first dispute in XX/XX/XXXX. I formally requested suppression under FCRA 605B ( b ) on XX/XX/XXXX, but TransUnion failed to block the information within XXXX business days as required by law. They continue to email me that they are still investigating and waiting on creditors. This violates FCRA 605B ( b ) and 611 ( a ) ( 5 ) ( A ). 

The disputed accounts include : Source Receivables, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I further note that TransUnion experienced a significant data breach on XX/XX/XXXX, publicly acknowledged in XX/XX/XXXX, which exposed personal identifiers ( names, SSNs, and dates of birth ). This heightens the likelihood of file-mixing or identity confusion and makes TransUnions failure to suppress the disputed information particularly negligent.

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 2025-10-05 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: 21ST MORTGAGE CORP.
State: GA

Complaint narrative:
Me and my husband was the owners of the XXXX acres that was on the home loan that was in his name. He passed away a year after the purchase. I sent all documentation such as will and death certificate and still continued making payments. Several times they would apply my payments and then reverse them and send me a check on their company account and then add a {$2500.00} charge for laws fees. I paid this and then it would happen again. I would pay it and then in late 2024 they done this again. I paid {$1600.00} and was paid up til XXXX. They blocked me out of my online account and I had to call in to make a payment. XXXX XXXX wouldnt answer and when she finally called me back in XXXX she said I need to pay XXXX and XXXX and I said okay Im ready and she proceeded to tell me the payment would be {$8200.00}. But she couldnt tell me for what. She said because no payment had been made since XXXX but when I told her I had proof she told me she would find out what was wrong and let me know. Well they didnt send no documentation saying we were in default and if we were they refused a 1 time forbearance and its an FHA XXXX and the next thing I now my home and property were auctioned off. Well have a lawyer and weve tried to work it out without a lawyer but the lawyer says its best we go after them and XXXX XXXX XXXX for damage and wrongful foreclosure. What the done was unlawful and they should be stripped of their business license to give home loans. They also changed the account number from XXXX to XXXX and on some documents it has XXXX. It was as if they were intentionally making it harder to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: DE

Complaint narrative:
Hello, I recently created a PayPal account and completed my first sale through my online store. Shortly afterward, my account was limited, and I was asked to submit verification documents, which I promptly provided. Despite complying, I received an email stating that my account has been permanently limited, without any clear explanation.

I have no open cases or disputes, and the order related to the payment was successfully fulfilled. Currently, PayPal is holding {$76.00} of my funds without justification.

I respectfully request a detailed explanation for the permanent limitation of my account. If there is no valid reason for this action, I ask that the restriction be removed and my funds released. 

Thank you,

Company response to consumer: Closed with explanation