vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: VA

Complaint narrative:
I have filed a complaint many times regarding the negative accounts on my credit report. I want these negative accounts removed and the responsible parties held accountable. I want them to be fined due to the impact of inaccurate reporting on my credit report. If nothing happens with this complaint, I will file a lawsuit against them, and they should be held responsible for their actions

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have filed a complaint many times regarding the negative accounts on my credit report. I want these negative accounts removed and the responsible parties held accountable. I want them to be fined due to the impact of inaccurate reporting on my credit report. If nothing happens with this complaint, I will file a lawsuit against them, and they should be held responsible for their actions

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 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: KY

Complaint narrative:
On Wednesday XX/XX/XXXX I received a direct deposit from XXXX industries in the amount of {$580.00} to my cash app account. On Thursday XX/XX/XXXX I made purchases to XXXX XXXX  XXXX  and XXXX 's XXXX XXXX. Thursday afternoon I attempted to transfer money from my cash app account to my rapid card and cash app locked my account saying they suspected suspicious activity. I contacted cash app support numerous times over the past few days they told me my account would be locked for 24 to 48 hours and has been well over 48 hours. When my account was locked my balance was {$400.00} when I went to sleep Thursday evening and woke up Friday morning My account was {$150.00} in the negative. I have contacted XXXX about the direct deposit I have contacted support so many times with no resolution and my account still being locked they keep telling me that it'll be unlocked soon and that they are working diligently yet every time they say it's going to be unlocked they keep extending the time. I have screenshots of my account balances before and after I do not know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
My entire family to include parents, siblings, aunts and uncles keep receiving threatening phone calls saying that I am being sued and facing legal action for debts. 
These calls are coming at least once or twice a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am disputing multiple INACCURATE charged-off accounts being reported by American Express on my XXXX  credit report. Despite my repeated disputes, AMEX continues to report inaccurate and unverifiable information without complying with the Fair Credit Reporting Act ( FCRA ). 

These accounts were previously marked as " consumer disagrees '' after my disputes, yet AMEX failed to conduct a meaningful reinvestigation as required by 15 U.S.C. 1681i ( a ) and continued reporting derogatory data in violation of 1681s-2 ( b ).

I requested : Original signed contracts ( none were provided ) Full itemized statements ( not provided ) Proof of permissible purpose and assignment A lawful and complete reinvestigation with findings ( ignored ) American Express is willfully reporting unverifiable charge-offs, some of which may have been re-aged or improperly updated in monthly reports, further violating FCRA 623 ( a ) ( 5 ) and UCC 3-305 regarding proof of enforceable obligation. 

This misconduct has caused me emotional XXXX, credit denials, and significant harm, as I continue to be flagged as a high-risk consumer based on accounts that AMEX can not legally validate. 

Original contracts with my wet signature A lawful accounting history Documented proof of valid standing to report this information If they can not comply, they must immediately cease and desist further reporting and compensate me for damages, or I will proceed to arbitration and litigation as permitted by law under FCRA 1681n & 1681o.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
ACCOUNT NAME : XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX  XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT XXXXXXXX XXXX XXXX  ACCOUNT NAME : XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX  ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX  ACCOUNT NUMBERXXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an 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 explanation
Consumer complaint received 2025-07-20 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
ACCOUNT NAME : XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX  XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT XXXXXXXX XXXX XXXX  ACCOUNT NAME : XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX  ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX  ACCOUNT NUMBERXXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an 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 2025-07-20 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: EQUIFAX, INC.
State: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: PA

Complaint narrative:
I attempted to receive the original document or a copy of the original document from XXXX XXXX XXXX as well as XXXX XXXX XXXX XXXX XXXX but to no avail was given a run around about it not being provided because " its a legal document '' and they'd have to reach out to their legal reps etc.

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am disputing an inaccurate account reported by Citibank , N.A . ( Home Depot/THD/CBNA ). The account reports a charge-off and ongoing late payments, which is inconsistent with the law. The balance exceeds the credit limit and is not properly verified. 

This account is currently under legal dispute in Florida ( XXXX XXXX. XXXX ) and should not be reported with derogatory information while it is being litigated. I have requested validation and was not provided any signed agreement or full account breakdown. 

This violates the Fair Credit Reporting Act. I respectfully request an investigation and full removal of this account from my credit reports.

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I notice how Experian sharing consumer infromation also keep adding negative infromation on credit reportand inaccurate infromation ( These credit cards was file under my bankruptcy ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed/Never late. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Credit Limit {$1600.00} Highest Balance {$1100.00} Terms - On Record Until XX/XX/XXXX XXXX  Account Info Account Name XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed/Never late. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Credit Limit {$900.00} Highest Balance {$240.00} Terms - On Record Until XX/XX/XXXX XXXX Info Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed/Never late. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Credit Limit {$1000.00} Highest Balance {$1400.00} Terms - On Record Until XX/XX/XXXX WITHOUT MY CONSENT XXXX XXXX Account Info Account Name XXXX Account Number XXXX Account Type Rental Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed/Never late. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Original Balance {$730.00} Highest Balance - Terms 1 Month On Record Until XX/XX/XXXX XXXX Account Info Account Name XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed/Never late. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Credit Limit {$3100.00} Highest Balance {$1800.00} Terms - On Record Until XX/XX/XXXX Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Real Estate on behalf of XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage on behalf of XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Real Estate. This inquiry is scheduled to continue on record until 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 2025-07-20 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am a victim of credit card fraud and my credit card company Capital One is not helping me. Instead they are forcing me to pay for the fraudulent charge of {$15000.00}. 

The fraudulent charge occurred on my XXXX XXXX personal card XXXX while I was in XXXX, XXXX on XX/XX/XXXX at XXXX. The XXXX XXXX is a chip card. I received a text from Capital One regarding a charge of {$15000.00} at merchant " XXXX 's XXXX XXXX XXXX '' if it was mine. A quick google of the merchant indicates it is a grocery store. I promptly responded " No '' at XXXX XXXX XXXX. The card was frozen and XXXX more attempted transactions were made of {$7000.00} and {$5000.00} that did not go through. 

I have proof that I was no where near the merchant. I had taking a local XXXX taxi yellow=green XXXX plate # XXXX from XXXX airport XXXX my hotel the XXXX XXXX XXXX and XXXX at XXXX XX/XX/XXXX. This is confirmed by XXXX XXXX XXXX camera. I have a letter from XXXX XXXX XXXX, the deputy XXXX at XXXX XXXX XXXX confirming my arrival, check in and entry into my hotel room. After check in, I entered my hotel room # XXXX at XXXX at the XXXX XXXX XXXX XXXX 

The charge of {$15000.00} occurred at XXXX XXXX XXXX obviously is fraudulent because I was at the XXXX XXXX XXXX XXXX in. Capital One is forcing me to pay for the fraudulent charge. They have not done any investigation XXXX their part. I have had to gather all this information of my whereabouts when this occurred to prove that I did not make the {$15000.00} on a grocery purchase while I was on vacation in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: TN

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX - Date Opened XX/XX/XXXX XXXX CARD # XXXX - Date Opened XX/XX/XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXXXXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXXXXXX XXXX # XXXX - Date Opened XX/XX/XXXXXXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I bought a house on XX/XX/XXXX. The Home Value $ XXXX, I paid 15 % down payment back then, I been paying additional principal every month to reach 20 %, as of XX/XX/XXXX my loan Balance is XXXX which is mean I paid more than 20 % of my loan. I contacted my lender PHH MORTGAGE requesting the PMI to be removed, they replied to me 17 Days after, saying that I have to do appraisal again for {$190.00} and my Loan to Value has to be 70 % not 80 %. I never missed a payment. Always pay on time with an Auto pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX  # XXXX XX/XX/year> -- {$22000.00}

Company response to consumer: Closed with non-monetary relief