vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am currently reviewing my TransUnion and there is an address reporting on my credit report that is not mine. 
Below is the address that I would like to have permanently deleted from my TransUnion credit report : XXXX. XXXX XXXX XXXX XXXX XXXX, CA 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 non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: HUNTINGTON NATIONAL BANK, THE
State: NJ

Complaint narrative:
On or about XX/XX/year> at approximately XXXX XXXX, I spoke by phone with a representative from Huntington Bank XXXX regarding my mortgage loss mitigation status. During this call, I was informed verbally that my request for assistance was denied by the loan investor, XXXX XXXX, allegedly due to having had three prior forbearance periods. I was also told that approximately {$29000.00} is now due as a lump-sum amount. 

This determination was communicated verbally only. I have not received any written notice of denial explaining the decision, including the specific investor guideline relied upon, the date of the decision, or any notice of appeal rights. I was also not provided with any written explanation of alternative loss mitigation options that were considered or remain available. 

During the same conversation, I was told that approximately {$80000.00} in deferred amounts had previously been added to the back end of the loan, which was cited as the reason for the investors decision. However, I have not been provided with a clear written accounting explaining how this amount was calculated, how it affects eligibility, or why no other options are available. 

I have actively communicated with the servicer and am seeking transparency and documentation. I requested a written explanation of the denial, an itemized accounting of deferred amounts, clarification of appeal rights, and information about any alternative repayment or modification options. To date, these requests have not been fulfilled, and no options other than a lump-sum demand were discussed. 

I am submitting this complaint to request a proper written determination, documentation supporting the decision, and confirmation that all applicable loss mitigation options have been reviewed in compliance with servicing requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XXXX XXXX a family member reached out to inform me that he received an Email stating a XXXX XXXXXXXX XXXX XXXXXXXX Mastercard, through Comenity Capital bank had been opened in my name. I checked my credit report and an inquiry connected to the account was on my credit report on XXXX XXXX. I called Comenity Capital bank and they immediately closed the account and informed me they would send letters to the credit bureaus informing them I did not open the account. Comenity Capital bank was not able to tell me who opened the account or where they opened it from but they were very helpful in closing the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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 notified XXXX  XXXX that my identity was stolen and the account didn't belong to me that it needed to be closed and a letter sent to me saying such...

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 2025-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX my daughter had a XXXX and was XXXX XXXX XXXX XXXX where she received care and had tests run. When I started to receive bills from doctors offices a few months later, XXXX of them came to me and was a medical claim form that I have attached to this complaint. I called my insurance company and my representative advised me to call them and tell them that they sent the claim form to me ( the patient/patients mother ) instead of the insurance and tell them to resend the claim form out to insurance and I did just that. Per my insurance all of the bills I was receiving hadnt been processed through insurance and they told me I would only be getting one bill from the hospital in the amount of {$250.00} copay, and if I got anything outside of that to call them. Another month or XXXX passed and that bill came and we paid it. 
Fast forward to XX/XX/XXXX and I received a notice from a collections company for one of the doctors who saw my daughter that day ( there were multiple doctors and techs that day ) saying I needed to pay {$1400.00} to get my account out of collections. It turns out this doctor never sent the claim to my insurance company, they have no record of this doctor. In addition to my daughters member ID number not being listed on the claim form, as proof of liability. If the doctor had sent the claim form in like they should have then this would have been paid in the initial claim, the claim where I paid the XXXX single {$250.00} copay. 
I have tried to call the doctors, only to find he is no longer in practice with the hospital and called both of the collections company that my file has been to and told that theres nothing they can do, I just need to pay the {$1400.00}. No one was willing to do anything to help me with this until I finally called someone high up in my insurance company and they told me I needed to file complaints with a few specific places because none of this is legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I used my card XX/XX/XXXX around XXXX at night the next morning which is today they saying they restricted my account at XXXX in the morning but I talked to the guy before and he said they restricted my account nd sent an letter out stating why it was restricted. I then spoke to the lady and she told me that a letter wasnt sent out and if it was It wouldnt be there on time. I got two people telling me two different things.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
To whom it may concern, I am writing to formally dispute the XXXX XXXX account that has been reported to your agency under my name, XXXX XXXX, account XXXX. This alleged debt is invalid. The amount in question results from a billing and administrative error on XXXX part, following an account closure and partial refund that XXXX has already documented and processed. 



Summary of Events Account Closure ( XX/XX/year> ) : I closed my XXXX XXXX account in XX/XX/year>. XXXX confirmed the disconnection of my mobile line ending in XXXX, as shown in their official service termination notice ( attached ). 

Erroneous Charge ( XX/XX/year>, {$1100.00} ) : After the account was closed, XXXX mistakenly charged me {$1100.00} for a phone that I had already returned. This issue was investigated under Ticket XXXX, as documented in XXXX official Payment Investigation Report ( attached ). 

Partial Refund ( XX/XX/year>, {$1000.00} ) : Following my appeal through XXXX verified XXXX Support Team, XXXX acknowledged the error and issued a partial refund of {$1000.00}. I have attached screenshots of that correspondence confirming the refund. No reason was given as to why the refund was partial and not paid out in full. 

Collection Error ( XX/XX/year> ) : Despite acknowledging and refunding the charge, XXXX subsequently sent the refunded {$1000.00} to collections ( TSI Collections ), claiming non-payment since XX/XX/year>. This is demonstrably incorrect, as the charge was already reversed by XXXX ( attached ). 


Evidence Provided XXXX. XXXX XXXX XXXX Notice confirming closure of account in XX/XX/year> XXXX. XXXX Payment Investigation Notice ( XXXX XXXX ) showing the {$1100.00} investigation XXXX. XXXX Conversation ScreenshoXXXX showing Verizons acknowledgment and {$1000.00} refund. 

XXXX. TSI Collections Screenshot - showing the erroneous collections details These documents establish a clear paper trail demonstrating that this account was closed, the charge was refunded, and no valid balance remains. Therefore, this collection activity is improper and must be corrected immediately. 

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute and provide written verification of the outcome of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB COMPLAINT Transunion , Equifax , Experian Violation Re : Formal Notice of Dispute Unauthorized Credit Inquiries To Whom It May Concern, This correspondence serves as formal notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq., as enforced by the Federal Trade Commission ( FTC ).

Upon review of my consumer credit report, I identified one or more credit inquiries that I did not authorize, initiate, or consent to. Under 15 U.S.C. 1681b, a consumer reporting agency and any furnisher of information may only obtain or report a credit inquiry when a legally permissible purpose exists. 
The following inquiry is disputed : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX have no record , recollection, or contractual relationship with the above-referenced entity that would establish a permissible purpose for accessing my consumer report. As such, the inquiry constitutes an unauthorized access of my consumer file.

Pursuant to 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of this matter. If you are unable to produce competent evidence demonstrating a valid permissible purpose as required by 15 U.S.C. 1681b, you are obligated to delete the inquiry immediately and cease any further reporting. 
Additionally, please provide : Written verification of the investigation results Documentation evidencing the claimed permissible purpose Confirmation of deletion if verification can not be produced Failure to comply with the FCRAs requirements may subject the responsible party to civil liability under 15 U.S.C. 1681n and 1681o, including statutory damages, actual damages, and attorneys fees. 
This letter is sent without waiver of any rights, all of which are expressly reserved. 
I expect your full compliance within the time limits prescribed by federal law. 
Sincerely, XXXX XXXX XX/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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB COMPLAINT Transunion , Equifax , Experian Violation Re : Formal Notice of Dispute Unauthorized Credit Inquiries To Whom It May Concern, This correspondence serves as formal notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq., as enforced by the Federal Trade Commission ( FTC ).

Upon review of my consumer credit report, I identified one or more credit inquiries that I did not authorize, initiate, or consent to. Under 15 U.S.C. 1681b, a consumer reporting agency and any furnisher of information may only obtain or report a credit inquiry when a legally permissible purpose exists. 
The following inquiry is disputed : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX have no record , recollection, or contractual relationship with the above-referenced entity that would establish a permissible purpose for accessing my consumer report. As such, the inquiry constitutes an unauthorized access of my consumer file.

Pursuant to 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of this matter. If you are unable to produce competent evidence demonstrating a valid permissible purpose as required by 15 U.S.C. 1681b, you are obligated to delete the inquiry immediately and cease any further reporting. 
Additionally, please provide : Written verification of the investigation results Documentation evidencing the claimed permissible purpose Confirmation of deletion if verification can not be produced Failure to comply with the FCRAs requirements may subject the responsible party to civil liability under 15 U.S.C. 1681n and 1681o, including statutory damages, actual damages, and attorneys fees. 
This letter is sent without waiver of any rights, all of which are expressly reserved. 
I expect your full compliance within the time limits prescribed by federal law. 
Sincerely, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Portfolio recovery associates is reporting an account on my credit report that i do not recognize. I have never received any contract, signed agreement, or billing statements proving this account belongs to me. They have not provided validation under the fair credit reporting act and fdcpa. I am requesting that portfolio provide full documentation proving this debt belongs to me or delete it from all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: AZ

Complaint narrative:
Error transaction at merchant using debit card for XXXX merchant refunded immediately with debit pin refund they are holding refund XXXX to XXXX  days even though it was a same day reversal with a debit card and pin. They removed funds immediately out of account even though returned the same day with the same way using pin spoke with merchant funds where never taken on there end show reversal on account and funds returned same way but continuing to hold funds even though they received them back. Same day as cash

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year> Capital One allowed a charge to be placed on my card even though there was no available balance to cover it. This occurred after they had declined the same charge twice before approving a different, lesser amount. I had already paid the merchant cash for the service fees, but they then charged my card for additional fees. Capital One pushed this charge through without my approval and despite there being no available limit. The charge was fraudulent.l of {$220.00}. 

I would like the charge removed from my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting this complaint regarding inaccurate, inconsistent, and unverifiable information being reported on my credit file by TransUnion, Experian, and Equifax. 

I previously submitted formal written disputes to the credit reporting agencies identifying specific factual inaccuracies, missing required data, and cross-bureau inconsistencies affecting multiple tradelines. Despite these disputes, the CRAs have continued to report the information without correcting or deleting the inaccuracies, and without demonstrating that a reasonable reinvestigation was conducted as required by the Fair Credit Reporting Act ( FCRA ). These accounts are hindering my credit report and score and is totally frustrating AND GOES AGAINST THE CONSUMER LAWS

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint regarding inaccurate, inconsistent, and unverifiable information being reported on my credit file by TransUnion, Experian, and Equifax. 

I previously submitted formal written disputes to the credit reporting agencies identifying specific factual inaccuracies, missing required data, and cross-bureau inconsistencies affecting multiple tradelines. Despite these disputes, the CRAs have continued to report the information without correcting or deleting the inaccuracies, and without demonstrating that a reasonable reinvestigation was conducted as required by the Fair Credit Reporting Act ( FCRA ). These accounts are hindering my credit report and score and is totally frustrating AND GOES AGAINST THE CONSUMER LAWS

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 2025-12-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a dispute with Capital One and XXXX XXXX XXXX, let me explain more I over paid XXXX for example the original payment was {$480.00} on XX/XX/year> on that same day I paid {$480.00} dollars because I thought I had not paid them so I overpaid them {$480.00}. I reached out to Capital One on the XXXX of the XXXX to let them know I had overpaid XXXX.. I was on the phone with Capital One from that time until XX/XX/year> and still they will not release my money back to XXXX which was the original payment of {$480.00}. I had explained to a couple of management that still gave me the run around and I found out today that no one done anything to return my funds back to XXXX and also to solve the dispute of the overpayment both sides had not responded back with returning of the original funding back to XXXX which is causing my car insurance to be canceled by the end of next week I also want to make is a complaint also to XXXX XXXX new they was being over the charge but they claim that I owe them both payments for this reason Capital One still had not fixed the problem and it's going on XXXX weeks and both sides have not responded I need some help and I need some answers also this stems from XXXX of their agents that made this mistake and I told the Capital One agent The only money that have to be disputed was the {$480.00} That's it not the XXXX and {$80.00} + {$0.00} was the original payment for XXXX. Because of Capital One mistake it is costing me my car insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
Complaint description I am a PayPal user residing in XXXX. I am submitting this complaint due to PayPals failure to deliver funds that belong to me and that I have formally requested to withdraw. 
On or around XXXX XX/XX/year>, I initiated a withdrawal of funds from my PayPal account via check / withdrawal method offered by PayPal. As of today, more than two months have passed, and I have not received the funds, nor has PayPal returned the money to my PayPal balance.

I have contacted PayPal customer support on multiple occasions, opened internal cases, and followed all procedures requested by the company. Despite these repeated efforts, PayPal has failed to resolve the issue, has not provided a clear explanation, and has not returned my funds. 
The money in question is rightfully mine, was not subject to any dispute, fraud investigation, or policy violation, and there has been no valid justification for retaining it for such an extended period.

PayPals continued retention of my funds without resolution constitutes an unfair and unreasonable business practice, causing me financial harm and uncertainty. I have debt to pay and I Need this money urgently.

I respectfully request that PayPal be required to : Provide a clear written explanation for the delay, and Immediately release and deliver my funds, or return them to my PayPal account without further delay. 
I am attaching documentation showing the withdrawal request, my account activity, and records of my prior communications with PayPal. 
Thank you for your assistance in this matter. 
Desired resolution I want my funds to be immediately released and paid, or fully returned to my PayPal balance.

Company response to consumer: Closed with explanation