vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
My Capital One Quicksilver account ending in XXXX was restricted after payments were returned from a Washington XXXX account that I never authorized or verified. Neither I nor my father ever provided credentials, verification, or authorization for this account to be linked. It appeared automatically when I opened my Capital One account. This is a Capital One system error, not consumer error. 

XXXX : XXXX XXXX : Attempted {$570.00} payment, later returned. 
XXXX XXXX : Attempted {$2000.00} payment, later returned. 
Other smaller payments were also returned. 
Shortly after, my account was marked restricted in the Capital One app. 

Because of this auto-linking error, I was unfairly penalized. The $ XXXX payment is now stuck in a restricted account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
This complaint challenges ion XX/XX/year> naccurate, inconsistent, incomplete, and/or unverifiable data that TransUnion are publishing about me and that furnishers ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are supplying in violation of the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my written disputes, the CRAs failed to conduct a lawful reinvestigation, to forward all relevant information to furnishers within XXXX business days, The CRAs must also assure maximum possible accuracy ( FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) ) and provide full-file disclosure on request ( FCRA 609 ( a ), 15 U.S.C. 1681g ) .Metro 2 requires accurate Date of First Delinquency ( DOFD ) reporting ( Field 25 ) and controls the seven-year aging clock ( FCRA 605 ( a ), 605 ( c ) ; 15 U.S.C. 1681c ( a ), ( c ) ). The XXXX XXXX makes clear the DOFD drives purge/obsolescence, and furnishers must report DOFD within 90 days when an account is placed for collection/charged off.. 
Case law : XXXX can not rubber-stamp furnisher responses ( XXXX XXXX Trans Union ) ; they must ensure coherent delinquency sequencing ( XXXX XXXX XXXX XXXX XXXX ; they must provide complete file disclosure ( XXXX XXXX XXXX  ) ; boilerplate e-OSCAR responses are inadequate ( XXXX XXXX XXXX XXXX These authorities underscore the statutory duties cited above. 

XXXX. XXXX XXXX XXXX XXXX Account XXXX Reported fields : CollectionOrChargeOff/Closed ; Installment ; Balance {$18000.00} ; Date Opened XXXX ; Date Reported/Verified XXXX ; Dispute Status Y ( but no coherent DOFD ). 
Violations : ( a ) 1681i ( a ), ( c ) method-of-verification required ; item must be deleted or modified if it can not be verified.

( b ) 1681e ( b ) no DOFD furnished ; charge-off requires DOFD reporting ( Furnisher duty under 623 ( a ) ( 5 ) ).

( c ) 1681c ( a ), ( c ) DOFD controls the seven-year period ; without a proper DOFD, obsolescence and reinsertion safeguards are frustrated. 

XXXX XXXX XXXX XXXXXXXX ( and Sunrise ) TransUnion mirrors Experians inconsistencies : AsAgreed/Current with derogatory remarks, missing DOFD, and no suppression/forwarding evidence during reinvestigation.

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 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXX I had {$20.00} sent from a friend, to my CashApp Account for gas and medicine. My card was locked so nothing could be withdrawn during the time I traveled to my local pharmacy. When I got to the pharmacy, I could no longer pay for my medicine because a withdrawal of {$14.00} was taken out. I checked to make sure my account was in fact still locked. And it was. I contacted CashApp immediately. They told me to speak with the merchant. I did, but I also told them this was on them as well due to my card being locked and it never should've happened. Eventually the CashApp advocate agreed it never should've happened and if the merchant declined to help or refund me, to let them know so they can help me with a solution. I was contacted back from the merchant and told no to the refund. So I screenshot that message and sent it to CashApp. We went back and forth but they sent in for my case to be reviewed. I was declined twice. This has happened multiple times with CashApp. I'm a low income stay at home mother with a XXXX XXXX. They keep allowing this to happen and NEVER take responsibility for it. I'm about ready to seek legal counsel and seek other victims ( already have XXXX ) that this has happened too. 

I also want to add there original merchant was XXXX. They took money out from an old account I haven't used in years. They declined my refund. XXXX XXXX is the one that it went through. I contacted them as well and they also declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: NC

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. 
This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am submitting this formal complaint against Experian for unlawful reinsertion of a previously deleted fraudulent account into my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ). The account in questionXXXX XXXX XXXX  was previously removed following my identity theft dispute, for which I provided a valid FTC Identity Theft Report and supporting documentation. Experian has now reinserted this account without notifying me within XXXX business days and without obtaining the required certification from the furnisher, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This constitutes a clear violation of the FCRA and has caused me emotional distress, reputational harm, and unnecessary hardship. Experian 's actions reflect willful noncompliance with the law, entitling me to statutory damages under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), as well as punitive damages under 1681n ( a ) ( 2 ) for reckless disregard of my rights. I am demanding monetary compensation in the amount of {$1500.00} {$1000.00} in statutory damages and {$500.00} for emotional distress and reputational harm. I also reserve the right to pursue additional punitive damages as permitted by law. This complaint is supported by my formal dispute letter dated XX/XX/year>, which is attached and serves as legal notice of XXXX violation and my demand for immediate corrective action.

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 2025-09-30 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: TN

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 2025-09-30 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: TN

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 2025-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Outsource Group, Inc
State: SC

Complaint narrative:
I get calls from them and then it instantly disconnects as I answer the phone... they want me to call them back and I am instantly reminded that I am being recorded... I select the record feature too on my phone as the call connects and it just hangs up... when they contact me I am at work and I've discussed that to them too... they do not respect that... I have financial burdens and an over charging hospital that admitted me against my will can wait... I have more important things to apply my financial to at this moment. Send me a paper.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: WA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-01 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: WA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am a XXXX XXXX member of American Express and enrolled in a monthly XXXX membership, which is advertised as eligible for a statement credit. My XXXX membership fee was charged to my American Express XXXX XXXX , but American Express has refused to provide the statement credit solely because the payment was processed through XXXX XXXX 

The terms of the benefit clearly state : Basic U.S. Consumer XXXX  XXXX  Members can receive a statement credit when a Basic or Additional Card on the Account is used to pay for a monthly XXXX membership. 

There is no language excluding payments made via third-party processors such as XXXX. The transaction was funded entirely by my Amex card and therefore fully qualifies. Despite providing proof of payment and repeatedly contacting American Express, they continue to deny the credit. 

I am requesting that American Express immediately apply the XXXX statement credit to my account. If this is not resolved, I intend to escalate further, including to the CFPB, my state attorney general, and public consumer platforms.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had a business a Visa credit card ( Bank of America ) for my business ' expenses. The business was called XXXX  XXXX, XXXX. During XXXX I had to close business and the credit card debt was transfer by Bank of America to my Bank of America personal bank account. I paid in installments for a long time. 
On XX/XX/XXXX Bank of America withdraw without my consent {$4500.00} leaving me with XXXX dollars on my account. I had to work as XXXX XXXX  to survive. 
On XX/XX/XXXX I started paying again {$74.00} on a monthly basis to this credit card account up to XXXX, XXXX. The credit card balance and account information was removed from my Bank of America personal bank account. 
Yesterday, XX/XX/XXXX again Bank of America withdraw without my consent {$1500.00} leaving me {$43.00} in my personal bank account. 
I never gave my consent to have these amount deducted. I can not pay in full but in installments with fair interest rates. Please help me.

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 2025-09-30 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: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
This complaint is not a mistake. My credit report contains multiple inaccurate entries that are damaging my credit and causing financial and emotional harm.

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 2025-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) ATTN : Consumer Response Online submission : consumerfinance.gov/complaint RE : Mortgage Servicing Complaint Newrez LLC dba Shellpoint Mortgage Servicing Borrower : XXXX XXXX XXXX XXXX XXXX : XXXX | Property : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Dear CFPB Consumer Response, I request CFPB assistance regarding mortgage-servicing violations following the XX/XX/year> XXXX XXXX wildfires. I sought disaster forbearance and now elect XXXX XXXX ( California disaster-forbearance, effective XX/XX/year> ). On or about XX/XX/year>, a Notice of Default was recorded and foreclosure activity advanced despite my disaster hardship and forbearance election. Newrez / Shellpoint also failed to maintain a functional single point of contact and has assessed/advanced default activity inconsistent with law.

Requested resolution : ( 1 ) halt foreclosure and rescind the XXXX   ; ( 2 ) place my loan into disaster forbearance ( initial 90 days, extendable up to 12 months ; no late fees/default interest ; credit-reporting consistent with FCRA ) ; ( 3 ) correct/withdraw any post-disaster derogatory credit reporting ; and ( 4 ) assign a functional XXXX  and remove improper charges.

Attachments will include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX 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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Unauthorized access to my credit report by several companies has caused direct harm to both my credit and credit score. I previously contacted your agency and was assured that these unauthorized inquiries would be removed, yet they remain. This failure to act is unacceptable. The ongoing presence of these fraudulent entries raises serious concerns of identity theft and continues to inflict financial and emotional harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
Account Status Reported Incorrect - Showing Delinquent account when it's not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: WI

Complaint narrative:
an account is listed that is not mine, i never used this acccount and all information is inaccurate. i have disputed this with experian several of times and they refuse to delete as requested. the account states closedpayments ontime, however i dont recall accepting ANY credit offers from thsaid companyand there is no balance or credit limits listed. the account also states account never used and will not be deleted off of my account until 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 2025-10-01 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: NC

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. 
This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this complaint against Transunion for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX Late dates : XXXX XXXX to XXXX XXXX ; XXXX XXXX. This late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Transunion, yet Transunion continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Transunion under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Transunion failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Transunions reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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