vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

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 2025-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
Since I reported my Santander account to you guys now they will not talk to me. They said they're not allowed to talk to me cuz I put in a complaint with you guys that it will be 10 days now before I know anything just because I put in a complaint with you guys and I have a video in my car. A camera in my car that shows video of them leaving my hood up for 2 days in the pouring rain. The repo people broke into my car by picking putting something in the window, scratching my car and went through everything in my car digging through everything in there and I have video of this. On top of it was an illegal repossession because I made my payments. Now they refuse to talk to me because I reported them to the Federal trade commission and and the consumer at bureau finance. I'm guessing as retaliation. They're making me wait 10 days and will not talk to me at all now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-30 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: NC

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: KS

Complaint narrative:
b'I keep getting charged for stuff that I dont even have'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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:
Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, LA XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
In XX/XX/year>, I signed up for XXXX home security. The XXXX sales representative told me that the financing for the equipment was not a loan, would not affect my credit, and was part of the service plan. 

I later discovered that XXXX opened a Citizens One line of credit in my name. It now appears on my credit report. I was not told that this was a financing agreement or that a credit account would be created. I would not have agreed if this had been properly explained. 

I believe this was a misrepresentation during the sales process, and Im requesting that Citizens One and XXXX review and remove this line of credit. 

I want to keep my XXXX  service, but I do not want to be responsible for a financing account I did not knowingly agree to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-30 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: MA

Complaint narrative:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of XXXX U.S. Code XXXX ( XXXX ). This violation has led to an alleged case of identity theft, breaching XXXX U.S. Code XXXX. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt XXXX. In this case, the company has violated XXXX U.S. Code XXXX, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated XXXX U.S. Code XXXX, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.

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 2025-10-30 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: MA

Complaint narrative:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of XXXX U.S. Code XXXX ( XXXX ). This violation has led to an alleged case of identity theft, breaching XXXX U.S. Code XXXX. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt XXXX. In this case, the company has violated XXXX U.S. Code XXXX, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated XXXX U.S. Code XXXX, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.

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 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I called Capital One on XX/XX/year>, to inquire about enrolling in a hardship program. The representative told me that Capital One does not offer any financial hardship programs. I told the representative that it does not make sense, as other credit card companies have similar programs. She stated that my account does not offer a hardship program. I then asked to speak to a manager so I could file a complaint. I spoke to the manager, who was not inviting and was very condescending. She heard my complaint but refused to read back the complaint to me so I could know if anything was omitted from the complaint. She kept saying she had it and would only tell me the whole point of my complaint, which was that they did not have any hardship programs. She provided her Agent ID and only reassured me of their address for complaints. I called again on XX/XX/year>, to see if it was bad customer service. I was told again that they can not help me during my hardship. I don't understand why this company can not help people during hardship. I would think this company would want its money in some type of form. They refuse to work with me. I lost my job and had to move away from a domestic dispute, and now have a job where I can catch up on all my bills. I never heard of a company not willing to work with any of their consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2025-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
I got furniture through ACIMA I have been facing financial hardship and have not had any contact from them stating I was behind or that they were even sending it to collections. Today I received a voicemail from a unknown number stating they were going contact my place if business I assume I called the number they left on the voice mail and they lady gave me my full social over the phone which I feel like they should not do because for XXXX what if it was someone else and not me and said they are filing claims against me but I was unaware of any of this up until today. I wasnt even giving the option of a payment arrangement and now they are gon na try to take me to court???

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: IN

Complaint narrative:
I own rental property in my personal name. I have approximately XXXX tenants monthly pay rent to me via my personal cash app account in my name, then money gets transferred to my personal bank account. I typically have XXXX transfers a month, and I hold for XXXX days to avoid the Cash app fee. The only other thing that happens, rarely I have a house open for rent and I charge a {$20.00} application fee. I allow people to pay via cashapp. My transaction and cashapp volume is very limited. Without warning, or providing me a reason, Cash app closed my account. They said account was closed for violating terms of service, however they would not tell me which terms I violated, and I check their website and none of the terms listed have I violated. I have appealed with Cash app. I only found out this morning when a tenant tried to send me {$200.00} for rent, as he has done for years. Since this is XX/XX/year> and rent is due XXXX I requested an expedited review, to which I was told it could take up to 10 days. I requested legal dept information to which I was told, there is no further legal dept information other than the standard customer service line number. I would like Cashapp to reopen the account I have used for years, as quickly as possible so I can collect rents, so I can eat. 

I have attached a screenshot of the closure notice, as well as a typical statement from cash app showing the account used for rent collection for my personal rental properties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Their investigation left several inaccurate accounts and inquiries on my credit report

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 2025-10-30 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: WA

Complaint narrative:
Their investigation left several inaccurate accounts and inquiries on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: LA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One credit card charged me interest the same day it was paid in full. {$87.00} was added in interest AFTER the card had a XXXX balance. I called to have it removed. They said they can not remove the interest charge. We asked to speak to a supervisor. That supervisor told me there was no one to talk to above her. I wanted to know how it was added after I had paid off the card. He said it's added daily.The previous month the interest charge was added on the XXXX. XX/XX/year>, says it was added the same day as it was paid off. This is stealing from me. Out and out theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: NY

Complaint narrative:
Hello, I trust that everything is going well. I am composing this letter to discuss the accounts listed below. That information is included in my credit report and is having a significant impact on me. I am a victim of identity theft, and my information was compromised, resulting in the appearance of these accounts on my credit report. I am genuinely affected by these accounts, as they are not mine and I should not be held accountable or responsible for something that was opened without my knowledge. I am confident that you would not wish to pay for a service or product about which you are unaware, have not conducted business with, or have received any service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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:
I am a victim of identity theft. XXXX XXXX Bank, XXXX XXXX, and XXXX all opened credit card accounts in my name without my knowledge or consent. I never applied for, received, activated, or used any of these accounts. 

These accounts appeared on my credit report unexpectedly and are negatively impacting my credit score. I have never had any financial relationship with these companies and did not authorize any person or entity to open accounts on my behalf. 

I am requesting that all three companies immediately : XXXX. Close and remove the fraudulent accounts. 
XXXX. Provide copies of the account applications, including the date of application, IP address used, application channel ( online, phone, mail ), and any associated signature or identification documents. 
XXXX. Confirm in writing that I am not responsible for any charges or balances. 

I have filed an identity theft report through the Federal Trade Commission ( XXXX ) and submitted disputes to Experian, XXXX, and TransUnion under FCRA XXXX to have these fraudulent accounts blocked from my credit report. 

I am also requesting that the CFPB ensure these creditors comply with their legal obligations to investigate and correct the fraudulent reporting.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
This Discover credit card account was included in my Chapter XXXX bankruptcy and should not be reported as an active charge-off or past due. It currently shows a {$2300.00} charge-off balance, which is inaccurate after discharge. 
Under FCRA XXXX ( b ) and XXXX ( a ), furnishers must report accurate information, and under the XXXX Bankruptcy Code XXXX ( a ) ( XXXX ), creditors may not continue to report XXXX debts as delinquent.

Company response to consumer: Closed with explanation