vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: NY

Complaint narrative:
I am filing this CFPB complaint because Experian is reporting several accounts that I believe contain errors or can not be verified. I am requesting a full reinvestigation under the FCRA. 

XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  I dispute the accuracy of this account and request verification. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$25000.00} XXXX appears inconsistent. 

XXXX XXXX XXXX : XXXX * * * * Opened : XX/XX/XXXX Balance : {$15000.00} I believe this reporting is inaccurate. 

XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} I dispute the status and request documentation. 

XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$210000.00} I dispute the accuracy of this debt. 

XXXX XXXX  : XXXX * * * * Opened : XX/XX/XXXX Balance : {$36000.00} I request verification for all reported information. 

I ask that Experian confirm the accuracy of these items or remove anything that can not be properly verified.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Good day, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
Good day, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

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 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation
State: IA

Complaint narrative:
I opened an account with XXXX XXXX XXXX products are issued by XXXX XXXX XXXX XXXX XXXX, XXXX in XXXX of 2024 to purchase furniture at XXXX XXXX. We had a standard 365 agreement for interest fee use. We completed the payoff of the furniture in the allotted time. Requested in XXXX via the online chat that they close the account. Was informed they would. Received a statement balance email today, logged into their website and the account shows open with available credit. I called their toll free line to close the account. I was informed it was already closed. I assured them it wasn't, that I had received a statement balance that day, that I was logged into their website, and that it still showed open. The phone agent wouldn't escalate my call, wouldn't help and kept repeating it was closed. Informed them to notify their supervisor I was filing a formal complaint. This is that complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST COMMONWEALTH FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am submitting yet another formal complaint regarding first Commonwealth Bank. It has now been six days since I have had access to either my account or my debit card and I have received no explanation for this disruption each time I contact the bank. I am told they are unable to determine the cause of the issue. 
Additionally, my account has reportedly gone into overdraft due to errors on the banks part, despite providing evidence of these errors no corrective action has been taken, nor have I received any follow up communication as promised. 
I am requesting immediate intervention regarding the banks handling in my account, the continued mismanagement, unexplained account restrictions and improper charges are unacceptable and potentially unlawful. It is unreasonable to be notified of an overdraft on a card that I have been unable to use for six days and then account to which I have had no access for 10 days. 
This is my second formal complaint with a year and the recurring nature of these issues raises, serious concerns. I am therefore asking the appropriate regulatory authorities to investigate both the banks actions in my specific claims. I want to stay clearly that all the information I provided here is accurate and truthful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My account hasn't been updated to show the correct information or credit score

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 2025-11-20 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: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX a friend sent me {$200.00} through Cash App for fod and a bill at XXXX that afternoon. The next morning see transactions from Cash App that wasn't made by me at a XX/XX/XXXX store in XXXX XXXX. I live in XXXX XXXX XXXX and don't know anyone that resides in XXXX XXXX. I reached out to cash app to dispute the charges and they denied me twice. The charges were made at XXXX XXXX XXXX. 4 charges. 
1. XX/XX/XXXX Atm for {$180.00} 2. XX/XX/XXXX purchase for {$13.00} 3. XX/XX/XXXX purchase for {$6.00} not enough money s it got denied. 
4. XX/XX/XXXX purcase for $ XXXXi was given back the {$13.00} and the {$4.00} but they denied the {$180.00} twice and now they saying I can't appeal it anymore. Im a single parent and I need my money returned.please look into the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CA

Complaint narrative:
Capital one closed a dispute I filed for services not provided. Capital one improperly denied my services not provided. The merchant claims services were provided which was FALSE. The restaurant which is an all you can eat shabu had EXTREME understaffing and no service being provided with their own servers apologizing stating it was a mess and chaotic day as XXXX XXXX had a parents weekend. I left in the middle of a meal and did not receive services and asked for my credit card in return. I never signed a receipt and request a signed authorization receipt showing my signature, proof of services. Capital one did not provide me with these evidences I request. 
I request that this dispute be reopened provide merchant documentation showing my signature signed, properly review this as services NOT provided

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I made a rather large transfer of funds from my bank through PayPal. The first one went within seconds. The next day ... the XXXX of XXXX... I made an equal transfer.... was told this time it would take until the XXXX of XXXX. The money left my bank account on the XXXX. Transfer showed as " pending ''. Money did not clear on the XXXX. I called PayPal... was told it would clear on the XXXX. I called my bank... was told by PayPal that it was my bank that was holding up the transfer. My bank told me as soon as it clears my account... Paypal has the money. I called PayPal today.... the XXXX... was told it hadn't cleared my bank ... and it wouldn't clear until the XXXX... Friday. 

PayPal took my money out of my bank account on the XXXX.... and have not transferred it yet! They tell me it's my bank that is the problem. They are taking money and holding on to it!! There is no good reason why they should be allowed to do this when these transfers can be done in seconds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CA

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX XXXX - XX/XX/year> - The inquiry was not authorized.

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 2025-11-20 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: MI

Complaint narrative:
I am disputing the following accounts and inquiries that appear inaccurately on my credit report with TransUnion. Please investigate the discrepancies and update my report accordingly. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX & XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Inquiries : XXXX XXXX  Date Opened : XX/XX/XXXX Positive Accounts : ( Please note no positive accounts listed ) Late Payments : XXXX Account Number : XXXX XXXX  Account Number : 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 2025-11-20 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: LA

Complaint narrative:
I am actively working on resolving issues with my credit, and the following accounts are in dispute on my Equifax credit report : Charged Off Accounts : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX XXXX - XXXX, XX/XX/XXXX, {$370.00} XXXX - XXXX, XX/XX/XXXX, {$720.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
In XX/XX/year>, I traded in my XXXX at a XXXX dealership. XXXX paid the full payoff of {$7000.00} to Exeter, as shown on the buyers order dated XX/XX/year>. Once a dealer payoff is made, the loan is satisfied and the borrower does not owe a final payment. Exeter accepted the payoff and closed the loan. After the payoff was made, Exeter reported a late payment even though the account had already been paid in full. This is not accurate and it lowered my credit score by about XXXX points. My XXXX  dispute was incorrectly verified. I am requesting that the account be corrected to show paid in full, closed, and no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I am submitting this complaint because I recently received information regarding an alleged debt associated with the above-referenced account. At this time, I have not been provided with sufficient documentation to verify the accuracy, validity, or ownership of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-20 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CA

Complaint narrative:
Removal of disputed accounts must align with the statutory schedule.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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:
I am submitting this dispute regarding the following accounts on my credit report with TransUnion, which I believe are inaccurately reported as charged-off. I respectfully request that these items be thoroughly investigated for accuracy, as they do not reflect the true status of these accounts. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$940.00} Disputed Issue : Charged-off status not accurately reported. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9800.00} Inquiries : XXXX Date Reported : XX/XX/XXXX XXXX Date Reported : XX/XX/XXXX XXXX Date Reported : 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 2025-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear TransUnion, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : XXXX XXXX Account Number : XXXX - Reported Late Payments : XX/XX/year>

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 2025-11-20 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: FL

Complaint narrative:
Capital One posted multiple delayed charges onto my credit card without authorization, without showing any pending activity, and without providing any notification. My account showed a {$0.00} balance for several days with no indication of future charges. Then Capital One suddenly posted multiple charges all at once, creating a balance over {$3000.00}. 

When I called, Capital One refused to open a billing error dispute, refused to start a payment trace, and instead blamed my bank, even though my bank properly provided the funds. They told me they cant help after escalating twice, which violates the Fair Credit Billing Act. 

Why this is an error : No pending charges were visible No holds or warnings were displayed Multiple charges were posted all at once without authorization Capital One refused to investigate Capital One incorrectly told me they can not help I was denied the right to open a formal FCBA dispute What I am requesting : Immediate opening of a billing error dispute A complete payment trace Removal of all delayed charges posted at once Written explanation and correction of improper handling Assurance that I will not be responsible for the disputed amount during investigation ( as required by FCBA ) Desired resolution : Correct the billing error, remove the improperly posted charges, and comply with FCBA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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 a consumer trying to fix my credit report. The following accounts are in dispute for Experian : Charged Off Accounts : XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$9300.00} XXXX XXXX - XXXX, XX/XX/XXXX, {$1500.00} XXXX XXXX - XXXX, XX/XX/XXXX, {$4800.00} XXXX XXXX XXXX - XXXX, XX/XX/XXXX, {$750.00} XXXX XXXX XXXX- XXXX, XX/XX/XXXX, {$1400.00} Inquiries : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 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 2025-11-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief