vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-28 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: TN

Complaint narrative:
I GIVE CFPB PERMISSION TO INVESTIGATE ON MY BEHALF I am requesting CFPB assistance to correct inaccurate credit reporting by Experian, Equifax, and TransUnion regarding XXXX  XXXX  accounts, XXXX XXXX XXXX and XXXX XXXX. These accounts are being reported with duplicates, missing fields, and incorrect designations that fail to show they were paid on time, closed, and never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I am writing to dispute a hard inquiry that appears on my credit report. The inquiry from Americredit Financial dated XX/XX/year> was not authorized by me and should not be reported on my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information on my credit report is accurate and verifiable. Since I did not authorize this inquiry, I am requesting that it be removed immediately from my credit report. 

Please investigate this matter and provide me with written confirmation of the results of your investigation. If the creditor can not verify that I gave permission for the inquiry, the inquiry must be deleted. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: GA

Complaint narrative:
I have been trying to find out why Upgrade has suspended my account since XXXX XXXX XXXX had just received my deposit from the XXXX. I have been sending messages every day and I keep getting a generic message saying they are investigating as well as trying to protect my funds, and they don't have any information that they will contact me by email. I have called, requesting a supervisor and manager and they provided one, however, they keep telling me the same thing. I have no money to pay my bills, my rent is due, and the landlord is trying to evict me. I had to sale my cell phone to pay my electric bill. This has caused financial stress, and I don't know what I am to do. I need my money or answers asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am XXXX XXXX XXXX and I have never once been able to be approved for a line of credit due to hospital bills. I have broken many bones and feel its unfair that I can not get a loan just because I got injured and the bills were extravagant. I paid all my other bills every year, never late on rent, phone or anything else. The hospital bills totaled XXXX $ by the time I was XXXX XXXX XXXX. I was hurt many more times and only recently have my debts to zero- though I can not get a loan still. its insane. I was in the XXXX fires and lost alot of work and currently am not employed- but still hustle and make money ... how can I get a loan.

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 2025-09-28 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXXXXXX * BALANCE : {$2600.00}, XXXX XXXX XXXX XXXX * * BALANCE : {$73000.00}, XXXX XXXXXXXX XXXX XXXXXXXX * * BALANCE : {$0.00}, XXXX XXXX XXXX * * BALNACE {$5600.00}, XXXX XXXX XXXX XXXX XXXX * * * BALANCE : {$3500.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am disputing a late payment reported by Capital One for XX/XX/year>. This payment was reported inaccurately or in a way that does not reflect my typical payment behavior. I have a history of timely payments, and this was an isolated incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: NY

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. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
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

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 2025-09-28 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>2025, I was charged {$3100.00} by XXXX XXXX  on my Chase Slate card ending in XXXX for flooring materials. 

The product I received was misrepresented : The flooring ( XXXX XXXX XXXX ) is not listed in the merchants catalog or anywhere online.

I was promised warranty coverage, but no warranty was provided.

Only two boards were provided as samples, even though the product line contains four variations.

Approximately 90 % of the installed boards were lighter/yellow-toned, a variation I was never shown.

Before installation was completed, I raised concerns directly with the supplier and installer, so their once installed, purchaser has approved policy does not apply.

I provided Chase with extensive supporting evidence, including photos, emails, text message records, and transcripts where the merchant indirectly acknowledged the discrepancy. 

On XX/XX/year>2025, I contacted Chase and was told by a representative that the merchant had credited me back the full {$3100.00}. I have screenshots of the transcripted call confirming that the credit was final. However, the dispute was later marked denied, the charge reapplied, and my account now has with the charge reapplied. 


This is not a simple billing error. It is a case of misrepresentation of goods/services and misleading communication from Chase. Chase assured me the credit was permanent, only to reverse it without proper explanation, despite overwhelming documentation provided on my end.

I am requesting that Chase : 1. Provide the merchants response and a clear explanation for the denial.

2. Explain why I was told by Chase that the credit was permanent, only for it to be reversed.

3. Reinstate the credit of {$3100.00} or reopen the dispute under misrepresentation/ not as described.

Because of the size of this charge and the conflicting information I received from Chase, I believe my dispute was mishandled and not in line with the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My personal data and information have been released in multiple data breaches, and this is the second time it has happened this year. I have already filed identity theft reports, but this continues to cause serious financial and personal harm to my life. 

This situation has placed a heavy burden on me and my family. I am recently married, I have a son, and these ongoing breaches are setting me back financially and emotionally. I can not continue to suffer these repeated violations. I am requesting immediate action to protect my identity, stop further damage, and hold the responsible parties accountable. 

I am a victim of identity theft, and I need this matter taken seriously.

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 2025-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: January Technologies, Inc
State: OH

Complaint narrative:
XXXX January Technologies , Inc. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX REPEATED EMAILS STATING I OWE A DEBIT HAS NOT BEEN VERIFIED

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The company is the credit rating giant Experian. Four years ago, there were breaches of their system and they allowed customers to freeze their credit score checks. Not sure if this was new or not. I went to check on my freeze. When you log in to your account, they immediate try to sell you an upgrade and it is not so obvious how to bypass that page. That is annoying but not the issue. When you get around that and get to the homepage, you get to a Credit pull down, where you can navigate to Experian Creditlock. When you go to that page, whether you have frozen your account through the free service or not, it says your account is Unfrozen and it leads to to pay for the upgraded service. It is hard to get around that page, but, when you do, you can eventually find that indeed you have frozen your account. I double checked that my account was indeed frozen and then logged out and signed back in and the same sequence happened I was told my credit was unfrozen. For sure, their service adds other features, but this seems very very misleading and a fraudulent sell taking advantage of their control of our sensitive data.

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 2025-09-28 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: VA

Complaint narrative:
Dear Credit Bureau, I am writing to formally dispute and demand the immediate removal of the following unauthorized inquiries and fraudulent accounts appearing on my credit report : Account XXXX XXXX XXXX  Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items were not authorized by me and are the result of fraud. Reporting these accounts and inquiries violates my rights under federal law.

Specifically, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : 1. FCRA 1681b ( f ) : No person shall obtain a consumer report unless it is for a permissible purpose and authorized by the consumer.

2. FCRA 1681c-2 : I have the right to block information resulting from identity theft from appearing on my credit report.

3. FCRA 1681i : You must conduct a reasonable reinvestigation of disputed information and delete or correct inaccurate, unverifiable, or fraudulent information within 30 days.

4. FCRA 1681e ( b ) : You must follow reasonable procedures to assure maximum possible accuracy of the information you report.

Failure to remove these fraudulent items constitutes willful noncompliance, which under FCRA 1681n subjects your agency to actual damages, statutory damages, punitive damages, and attorneys fees.

I am also asserting my rights under the Fair and Accurate Credit Transactions Act ( FACTA ) to place a fraud alert and block this information from being reported any further.

I demand that you : 1. Immediately delete the unauthorized inquiries and fraudulent accounts from my credit file.

2. Provide written confirmation of the deletions.

3. Send me an updated copy of my credit report after corrections are made.

Failure to comply within 30 days will result in me filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, and I will consider pursuing legal action for damages.

I am enclosing a copy of my government-issued ID, proof of address, and any supporting documentation to verify my identity and support this dispute.

Thank you for your immediate attention to this matter.

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 2025-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XXXX  opened an account for scammers using my identity without any credit inquiries or other confirmation. 
XXXX  was/is not able to discover scammer transactions on their platform. 

In my previous complaint XXXX, XXXX  simply brushed off with a vague description and even wrong fact, no plan to avoid scammer leveraging their platform for crimes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
XXXX XXXX reported false information XXXX  & XXXX  And the collection company I was issued a XXXX XXXX  IN XXXX It did not work so I cancelled it I was tired of being embarrassed during transactions So I removed my remaining funds and cancelled the card XXXX XXXX decided to charge me fees for the times the card did not work and I disputed and won As a punishment or form of extortion XXXX XXXX continued to state this as a non payment in the amounts of XXXX Once I realized this was still on my credit reports after I was denied a credit line from Navy Federal as my family is a MILITARY FAMILY I PAID IT IN FULL TO THE DEBTOR HOW EVER IT IS STILL BEING PUBLISHED AND USED BY XXXX  & XXXX  AFTER I DISPUTED IT OVER 25 times with proff I have even been instructed to add a additional {$100.00} for another XXXX XXXX card To which I was approved and the card is on the way So why is the false reports being kept on my record youve already extorted me into paying something that was disputed and false Instead of the information being removed after the dispute It was kept and allowed to intentionally destroy my credit score as a non payment for several years Even after being forced to pay it It is STILL THERE TO DESTROY MY CREDIT SCORE EVEN AFTER THIS COMPANY GAVE ME ANOTHER CARD IT IS STILL FALSE NON PAYMENTS THERE HOW IS THIS EVEN LEGAL

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: GA

Complaint narrative:
From XX/XX/year> I have been disputing Trans Union Equifax and Experian for wrongly reporting invalid accounts. I am victim of serial fraud. Under 15 USC 1681-C2 I request the deletion of the fraudulent accounts

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 2025-09-28 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: FL

Complaint narrative:
In accordance with the Federal Fair Debt Collection Practices Act, 15 U.S. Code 1692c, XXXX XXXX XXXX violated my rights as a consumer, you are hereby notified to CEASE AND DESIST any and all further attempts to collect this alleged debt. I will work directly with the alleged original creditor, to resolve this matter, as warranted. Please take note that I am declining any attempts by, or any other collection agency with regards to this matter. 
In addition, you are hereby requested to inform and/or remove from any reporting agencies this alleged debt that is currently in dispute. I will require documentation that you have complied with this request. 
You are also requested to CEASE AND DESIST contacting me with further regards to this matter, unless it is to notify me via XXXX mail that you will be terminating all attempts to collect this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
The address on my account or incorrect. I live at XXXX XXXX XXXX XXXX MD XXXX. There shouldnt be any other addresses on my credit report. I would like all other addresses to be removed and deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
XX/XX/year> Requested & received help from Venmo support with updating my phone number linked to my account which allowed me to login to my account. I had not used my Venmo account for over 6 months. 
XX/XX/year> Received two payments from a sender. One for {$5.00} XXXX another for {$55.00}. 
XX/XX/year> Logged into my Venmo account & updated my debit card information. The card on file had expired. 
XX/XX/year> I attempted to transfer my balance to my debit card however the transaction failed. 
XX/XX/year> Hours later my account was XXXX Received an email from Venmo support stating my account was frozen due to unusual activity. Support informed me that I needed to verify I was the owner of the account by providing front & back photos of my Government issued I.D . Upon doing so my account could be Re-activated. 

I was told to expect a second email explaining why this happened. However the second email never came. Instead on XX/XX/year> I received an email stating that my account was permanently XXXX without any sort of explanation. The email did however state that my cash balance would be free to transfer after 180 days. 

The same email also said that Venmo considers this issue resolved/closed. They also informed me that any further contact from me would be ignored. If I email they will not read nor reply to anything I send. So please do not contact us. 

On XX/XX/year> I received an email stating my funds were now available for transfer. 

I logged in attempted to transfer my money. However the same error message appeared. My money is still locked up. To top it all off Venmo will not respond to me what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I spent hours on the phone trying to explain that my credit history was still being reported out on my ex-husband 's credit report, even after I removed him as an authorized user in XX/XX/XXXX. After spending many hours, I was finally told to mail a letter with my dispute complaint. 

I followed that process and mailed a letter on XX/XX/XXXX and it was closed on XX/XX/XXXX noting to have the non-authorized user mail a letter requesting to have credit history to be removed from his credit report. 

So I had my ex-husband mail a letter and a case was opened and closed the same day XX/XX/XXXX indicating that the non-authorized user was removed from the credit bureau. 

Below ( also attached ) are the letters that have been mailed to Capital One along with response letters sent to me that DO NOT completely satisfy my request. 

Attached are the letters of which were mailed to Capital One specifically requesting any reporting history from XX/XX/XXXX to present to be removed from the non-authorized user 's XXXX XXXX 's credit report. The notification sent to me DID NOT resolve my concern. Deleting him as an authorized user is NOT the same as removal of any erroneous credit reporting from his credit report. 

I've followed the process and as a valued customer since XX/XX/XXXX, I'm left with no other option other than to file a complaint with the Consumer Protection Bureau.

Company response to consumer: Closed with explanation