vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/XXXX, I purchased a flight from XXXX ( PDX ) to XXXX XXXX ( LAX ). On XX/XX/XXXX at XXXX PM, I reserved a hotel in XXXX XXXX, California through XXXX using my Capital One credit card. Later that same evening, at XXXX PM, I received an email notification that my flight had been canceled. 

Because my flight was canceled, I was unable to travel to XXXX XXXX and therefore never checked into or received the hotel stay. Despite not receiving any service, a charge for {$840.00} from XXXX posted to my Capital One credit card on XX/XX/XXXX, the same day I made the reservation. 

I disputed this charge XXXX separate times between late XXXX and XXXX. Each time I contacted Capital One, I was told to provide additional documentation. I attempted to provide everything requested, but each dispute was closed without a resolution. Capital One never provided any documentation from XXXX showing that I used or received the hotel stay. 

On XX/XX/XXXX, during my most recent call with Capital One, a XXXX told me that because the dispute was closed in XX/XX/XXXX, there is nothing they can do and that I must contact the merchant myself. This is incorrect and inconsistent with the Fair Credit Billing Act, which requires the banknot the customerto investigate billing errors and obtain documentation from the merchant. 

I am requesting that Capital One be required to reopen this dispute, conduct a proper investigation, and remove the {$840.00} charge unless XXXX can provide actual proof that the service was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
My employer transmitted my payment on Wednesday, XX/XX/year>, and XXXX XXXX  has still not posted my deposit. I switched my direct deposit to XXXX XXXX  based on their early deposit advertisement. I have contacted customer service multiple times through the app chat. It takes several attempts just to get past the automated system, and when I finally reached a representative, he simply repeated what is already stated on the website without offering any real assistance. 

I verified with my employer on multiple occasions that the payment was transmitted and that all account and routing information is correct. XXXX XXXX  continues to place blame on my employer even though they confirmed the transmission. I just want access to my funds. No one at XXXX XXXX  is willing to help or explain where my money is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
INACCURATE ACCOUNTS. THIS ACCOUNT DOES NOT BELONGS TO ME.

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 2025-12-05 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: CA

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

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 2025-12-05 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: FL

Complaint narrative:
I submitted a written dispute to the credit bureau regarding the XXXX XXXX XXXX XXXX collection account. The bureau responded that the account was verified, but they did not provide the Method of Verification as required under FCRA 611 ( a ) ( 6 ) ( B ).

I am requesting CFPB assistance to obtain the specific details of their investigation, including : The name and contact information of the person or department the bureau contacted at XXXX  The exact records reviewed to confirm the accuracy The date, method, and scope of the reinvestigation Whether an independent investigation was conducted or if the bureau simply relied on an automated e-OSCAR response Without this information, the bureau has not met its legal obligation to provide a proper Method of Verification. I am requesting that the CFPB compel the credit bureau to provide the required MOV details or delete the XXXX  account for failure to properly verify under FCRA 611 .

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 2025-12-05 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing this letter to request a full review of the reporting on my Experian credit file for the account listed as XXXX with the account number XXXXXXXX XXXX XXXX XXXX XXXX. The account shows a balance of {$0.00}, a date opened of XX/XX/XXXX, and a date last active of XX/XX/XXXX. The report also lists a 30-day late payment for XX/XX/XXXX, and the account is marked as closed. I am requesting that Experian review this information because the final status of the account should reflect that the account was paid as agreed at the time it was completed and closed. 
I am asking Experian to correct the reporting so that the account shows paid as agreed. My request is based on the requirement under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ), which states that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. I believe that updating the account to reflect its correct and accurate status as paid as agreed will ensure that the information on my file meets this standard of accuracy.

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 2025-12-05 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: SC

Complaint narrative:
I am sending this complaint in pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to dispute multiple inaccuracies reporting on my credit file. After reviewing my report, I identified several items that are inaccurate, unauthorized, unverifiable, or the result of a mixed file, all of which are negatively impacting my creditworthiness. Additionally, I have been affected by multiple national data breaches and other large-scale incidents that exposed consumer data nationwide. Because of this, it is critical that my credit report contain only accurate and fully verifiable 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 XXXXXX/XX/year> Under FCRA XXXX05B, 607 ( b ), 611, and FDCPA requirements, I am requesting that TransUnion : Conduct a reasonable reinvestigation Block and delete any identity theftrelated or unauthorized information Remove all unverifiable, inaccurate, or mixed-file data Provide written results of the reinvestigation Provide copies of ALL documentation used to verify disputed items ( per FCRA 609 ( a ) ) Applicable Federal Statutes FCRA 605B ( 15 U.S.C. 1681c-1 ) Right to block identity theft and unauthorized information FCRA 607 ( b ) Duty to ensure maximum possible accuracy FCRA 609 ( a ) Right to receive verification documentation FCRA 611 Right to dispute and receive a reasonable reinvestigation FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not report inaccurate information FDCPA 807809 Prohibits false, deceptive, or unverifiable collection activity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: SC

Complaint narrative:
I am sending this complaint in pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to dispute multiple inaccuracies reporting on my credit file. After reviewing my report, I identified several items that are inaccurate, unauthorized, unverifiable, or the result of a mixed file, all of which are negatively impacting my creditworthiness. Additionally, I have been affected by multiple national data breaches and other large-scale incidents that exposed consumer data nationwide. Because of this, it is critical that my credit report contain only accurate and fully verifiable 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 XXXXXX/XX/year> Under FCRA XXXX05B, 607 ( b ), 611, and FDCPA requirements, I am requesting that TransUnion : Conduct a reasonable reinvestigation Block and delete any identity theftrelated or unauthorized information Remove all unverifiable, inaccurate, or mixed-file data Provide written results of the reinvestigation Provide copies of ALL documentation used to verify disputed items ( per FCRA 609 ( a ) ) Applicable Federal Statutes FCRA 605B ( 15 U.S.C. 1681c-1 ) Right to block identity theft and unauthorized information FCRA 607 ( b ) Duty to ensure maximum possible accuracy FCRA 609 ( a ) Right to receive verification documentation FCRA 611 Right to dispute and receive a reasonable reinvestigation FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not report inaccurate information FDCPA 807809 Prohibits false, deceptive, or unverifiable collection activity

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 2025-12-05 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: GA

Complaint narrative:
These accounts do not belong to me, and I request removal within the XXXX period required by the FCRA.

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 2025-12-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Account Systems of Madison, Inc
State: GA

Complaint narrative:
These apartments says that I owe them but I do not, me and my husband was splitting back in XX/XX/year> and basically there was XXXX left on the lease, the office eventually sent out a letter asking if we was renewing the lease? and we went into the office to remove my self and they said I needed to sign a removal document from being a roommate off the lease and I did that and I have document proof, but in this year XXXX  ridge still sold my information to another company and saying I owe them, but they and I have a copy of the the document removing me off the lease but yet they still sold my information and put in on my credit report. I then went to buy a house who is how I found out they do that to me.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: WV

Complaint narrative:
I disputed a collection account reported by Portfolio Recovery Associates ( PRA ) with XXXX  in early XX/XX/XXXX. On XX/XX/XXXX, XXXX reported this collection account to the credit bureau for the first time, even though the alleged Date of First Delinquency is XX/XX/XXXX. 

This sudden reporting years later raises concerns about the accuracy and completeness of PRAs information.

After PRA reported the account, I requested debt validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ). I requested documentation such as the original agreement, itemized statements showing how the balance was calculated, and proof of ownership or a chain of assignment from the original creditor.

PRA did not provide any of this information. They only verified the account by sending data to XXXX, not actual documentation.
As a result, I still have not received enough information to verify this debt.

There are also inconsistencies in the dates PRA furnished to XXXXXXXX. The Date Major Delinquency First Reported is listed as XX/XX/XXXX, even though the alleged delinquency occurred years earlier. I am concerned the reporting may be inaccurate or misleading.

I am requesting that PRA provide proper validation, including documentation supporting the debt, or delete the account from my credit reports if they can not substantiate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: IL

Complaint narrative:
My vehicle was declared a total loss on XX/XX/2025. Multiple payoff payments were issued to the lienholder ( PNC Bank ) by my insurance company, my XXXX insurance provider, and the dealership. 

Here is the timeline of events : XX/XX/2025 : My primary auto insurance company sent the total-loss settlement payment to PNC Bank XXXX 

XX/XX/2025 : My GAP insurance provider ( Ally GAP ) processed and mailed a payment of {$24000.00} to PNC Bank. 

XX/XX/2025 : The dealership where the vehicle was purchased also mailed a payoff payment to PNC Bank on the same date. 

Despite all three payments being issued weeks ago, PNC Bank continues to state that none of the payments were received, even though all senders have confirmed that they were mailed to PNC. I have contacted PNC Bank multiple times over a two-week period, including by phone and in person at several local branches. I have repeatedly asked for escalation to their total-loss or insurance payment department, but I have not been given any explanation, resolution, or confirmation that anyone has checked their internal processing channels ( such as the lockbox, insurance mail, or unapplied funds/suspense accounts ). 

Because of this delay on PNC Banks end, interest continues to accrue on a vehicle that has already been declared a total loss, causing financial harm. I have made every effort to provide PNC with documentation, proof of payment issuance from the GAP provider, and the dates payments were sent, yet the bank has still not located or applied any of the payments. 

I am requesting the XXXX assistance in having PNC Bank : Locate and apply the insurance and GAP payments that were sent. 
Correct any interest that has accrued after the date of loss due to the banks delay. 
Provide a clear explanation of why these payments were not processed in a timely manner despite being sent weeks ago. 

I have documentation confirming that at least XXXX payment ( GAP ) was processed and mailed on XX/XX/2025, and that the insurance settlement was sent on XX/XX/2025, but PNC continues to deny receiving anything. 

This situation has caused unnecessary stress, financial concern, and unreasonable delays in closing the lo

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/2025, a charge for {$62.00} posted to my Cash App Card for a merchant listed as XXXX  This merchant is a known scam seller, and I did not receive any goods or services. I disputed the charge immediately through Cash App. 

Cash App denied my dispute on the grounds that the merchant fulfilled their obligations, but they provided no documentation to support this claim. I repeatedly requested the merchant documentation they claim to have reviewed ( proof of delivery, tracking, invoice, order details, etc. ). Cash App representatives told me the documents would be sent to my email, but I never received anything. 

I followed up multiple times, and Cash App continued to refuse or fail to provide the required evidence for their denial. Their denial contradicts the fact that the merchant is fraudulent and that no product was ever delivered. 

I am filing this complaint because Cash App closed my dispute without evidence, failed to provide the documentation I requested, and did not follow required dispute investigation procedures. I am requesting a full refund and a proper review of this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I believe the late payments and delinquent status appearing on my credit are in error. The accounts were not late under the agreed terms, so those remarks should be deleted. Please update the accounts to Paid as Agreed and eliminate any delinquent status.

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 2025-12-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Examine the enclosed materials ; the queries appeared without advance notice and may be unauthorized.

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 2025-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Ive already had this company add a couple dollars when I disputed the dates & the amount was already wrong as well so when I dispute the amount they add more. I already placed a complaint though your website & now once again my collections balance with them increased by {$1.00} like they are retaliating every time I try and prove what they are doing is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
XX/XX/XXXX in the amount of {$300.00}, {$500.00}, {$20.00}, and {$20.00} My debit card was hacked I provided proof from the merchant proving it wasnt my fault. My bank Cash App still denied the dispute saying it was not a genuine dispute despite me uploading countless docs proof that it was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hollis Cobb Associates
State: WV

Complaint narrative:
I sent multiple certified letters to cease and desist and they keep sending emails text messages letters violating my rights they need reprimand pure harassment violation of fcra XXXX  cfpb

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 2025-12-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter serves as a formal demand for the immediate deletion of fraudulent accounts from my credit report, which were opened without my knowledge or consent. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to investigate and remove these inaccuracies within 15 days. Relevant documentation is enclosed to support this 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 2025-12-05 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: TX

Complaint narrative:
This letter serves as a formal demand for the immediate deletion of fraudulent accounts from my credit report, which were opened without my knowledge or consent. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to investigate and remove these inaccuracies within 15 days. Relevant documentation is enclosed to support this 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 non-monetary relief