vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: NY

Complaint narrative:
I applied for a credit card threw credit karma which the card said no impact to my credit report. I was approved now i see that I have a hard credit pull from the XXXX XXXX card that I applied from credit karma has misleading information this is not fair to the consumer

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: EQUIFAX, INC.
State: CA

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 submitted a formal dispute letter to Equifax on XX/XX/2025, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. XXXX and XXXX ), Equifax has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Equifax has therefore failed to conduct a reasonable reinvestigation as required by law. DEPT OF EDUCATIONXXXX XXXX Late DatesXX/XX/XXXX 2025-XX/XX/XXXX 2025 DEPT OF ED/AXX/XX/XXXX XXXX Late Dates XX/XX/XXXX 2025-XX/XX/XXXX2025 DEPT OF EDUCATION/XX/XX/XXXXXXXX Late Dates XX/XX/XXXXy 2025-XX/XX/XXXX2025 DEPT OF EDUCATION/XX/XX/XXXXXXXX Late DatesXX/XX/XXXX 2025-XX/XX/XXXX 2025 DEPT OF EDUCATION/XX/XX/XXXXXX/XX/XXXXLate Dates XX/XX/XXXX 2025XX/XX/XXXX2025 DEPT OF EDUCATION/NXX/XX/XXXXXXXX Late DatesXX/XX/XXXX2025-XX/XX/XXXX 2025 DEPT OF EDUCATIONXX/XX/XXXXXXXX Late DatesXX/XX/XXXX 2025-XX/XX/XXXX 2025 DEPT OF EDUCATION/XX/XX/XXXXXXXX Late DatesXX/XX/XXXX 2025XX/XX/XXXX 2025 DEPT OF EDUCATION/XX/XX/XXXXXXXX Late Dates XX/XX/XXXX 2025XX/XX/XXXX 2025 DEPT OF EDUCATION/XX/XX/XXXXXXXX Late Dates XX/XX/XXXX2025-XX/XX/XXXX 2025

Company response to consumer: Closed with non-monetary relief
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: CA

Complaint narrative:
On XX/XX/XXXX around XXXX, I received a tap to pay payment from a customer from my XXXX business account. Today is XX/XX/XXXX and I have yet to receive the funds from XXXX despite their platform stating that tap to pay payments are processed within 30 minutes.

I dont have access to the funds nor do I have the option to refund the customer since it shill shows as pending from my end.

I spoke to a representative the following day and they advised me it would be available within 24 hours. When that didnt happen, Ive been inquiring everyday with XXXX and still no resolution. Theyve told me theyve escalated this to their engineering team.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I received a new Citi XXXX XXXX XXXX. I was told combination there was not to be any annual fee. When I got the card, I was charged a fee and I was told to wait 60 days and the fee would be reversed. I called again because the fee wasnt reversed and I was told it took 60 days. I called again and the guy told me to just pay it and it was gon na still get credited back. And I told him I wasnt gon na do that then I got some of it credited back, but now theyre showing me with a balance past due.

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 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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove these account from my report. They are hurting my ability to obtain credict

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove these account from my report. They are hurting my ability to obtain credict

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Draft CFPB Complaint Subject : TransUnion False Investigation Results, Failure to Delete Accounts, and Improper Closing of Complaints Complaint Narrative : I am filing this complaint against TransUnion for knowingly furnishing false investigation results and refusing to comply with the Fair Credit Reporting Act ( FCRA ).

This is NOT a duplicate complaint. My prior complaints are : # XXXX ( filed XX/XX/2025 ) # XXXX ( filed XX/XX/2025 ) The CFPB has repeatedly marked my follow-up complaints as duplicate or closed, despite new evidence showing that TransUnion continues to publish false and unverifiable information.

Facts : 1. In Complaint # XXXX, TransUnion claimed on XX/XX/2025 that multiple accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc . ) were deleted. 2. As o
f XX/XX/2025 and continuing to this day, these same accounts are still reporting on my TransUnion file. Screenshots proving this fact are attached. 


3. TransUnion provided false investigation results in violation of : FCRA 611 ( a ) ( 1 ) ( A ) ( C ), 15 U.S.C. 1681i requiring a reasonable reinvestigation.

FCRA 611 ( a ) ( 7 ), 15 U.S.C. 1681i ( a ) ( 7 ) requiring disclosure of the method of verification.

FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 prohibiting furnishers from knowingly reporting inaccurate information.

FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) requiring maximum possible accuracy.

My Requests : 1. Immediate deletion of every account TransUnion previously reported as deleted, and assurance that they will not be reinserted into my credit report under FCRA 611 ( a ) ( 5 ) ( B ).

2. A detailed explanation of how TransUnion conducted its investigation, including : What documents were reviewed, Who was contacted, and What evidence was used to decide these accounts were mine.

Simply stating verified or parroting the furnisher is not compliance with FCRA.

3. The CFPB must stop closing my complaints automatically simply because TransUnion responded. A company response does not equal resolution, especially when their response is demonstrably false. Closing my complaints without enforcement action allows TransUnion to avoid accountability and continue violating federal law.

4. I request that the CFPB hold TransUnion accountable for repeated false statements to both me and to the Bureau, which undermines the integrity of the complaint process.

Conclusion : I demand that TransUnion be compelled to permanently delete the accounts they previously claimed were deleted, disclose their method of verification in full detail, and stop engaging in deceptive reinvestigation practices.

Attachments : Screenshots showing the accounts still present after TransUnion claimed deletion.

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: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: PA

Complaint narrative:
I have an auto loan with Westlake Financial. My last payment that I had made was short {$63.00} by mistake for XX/XX/XXXX. I was not aware of this mistake I had made when I made my payment. For the record I have not missed a payment or been late up to this point since I purchased the vehicle in XXXX of XXXX. Since I had a late fee they then tagged on a late fee for {$58.00} bring my owed balance to {$120.00}. I never received any notifications that I had a past due balance and to my defense I was under the impression that I was payed up so felt no need to check for any past due balance on my app. On XX/XX/XXXX my vehicle was repossessed 23 days later. I then contacted Westlake financial and was informed of the past due amount, I apologized for the mishap they said I would have to pay the past due amount of {$120.00} plus a repossession fee. The total was {$620.00} dollars to get my vehicle back. They informed me in order to do this I would have to submit a request for a reinstatement of loan, once this was approved I could then pay the {$620.00} and get my vehicle back. The new issue I am having is that this reinstatement has been denied as of XXXX because the loan total was more then {$50000.00}. I feel this is very unfair because I have never missed payments with this loan or been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc.
State: DC

Complaint narrative:
Someone fraudulently used my identity to make purchases through XXXX, fraudulently using someone else 's credit cards, on XX/XX/XXXX. My first complaint is that XXXX does not have any security whatsoever ; it allows you to create an account using anyone 's name and email address without any method of confirming they're actually that person 's. ( You don't even have to confirm your email. ) I reached out to XXXX immediately and didn't get a response. 

My second complaint is that XXXX 's website misrepresents that you can get a callback from them within an hour if you create an account and message them through the app. ( If you don't have an account, you can only email them. ) I created an account ONLY to message them for a callback. Once I did that, they informed me that they don't actually offer callbacks at all. I found the last available phone number for the company and called it, and a recorded message said they no longer offer phone support at all. The representation on their website is fraudulent. 

I honestly can not believe this app is so utterly lacking in security that it facilitated identity theft and so lacking in support that I have no way to communicate with an actual human being. If you're going to allow someone to steal my identity, you should not force me to try to sort it out with a chatbot. 

More egregiously, all of XXXX 's conduct is in violation of a consent order between its parent company, Block, and the CFPB. It is obviously not taking its obligations seriously and should be penalized accordingly. 

I tried to sort all of this out with XXXX directly and then through the XXXX XXXX XXXX. I have received generic assurances but literally no specific information whatsoever from XXXX directly. XXXX also dismissively submitted boilerplate responses to my XXXX   complaint, concluding by saying they resolved it pursuant to the terms of service. I should not be subject to those terms of service at all because my identity was used to create an account without my consent. The * only * reason I created an account * later * was to contact XXXX because XXXX does not provide any other way to contact them. I should not be subject to terms of service I was effectively forced to accept just to contact the company to try to resolve the identity theft they allowed with their nonexistent security.

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: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have been a Wells Fargo credit card customer for over 20 years. I have never missed or been late on a payment. Recently, Wells Fargo reduced my available credit limit without providing advance notice or a clear reason. 

This action has : Harmed my credit score by increasing my utilization ratio. 
Reduced my access to credit despite my excellent payment history. 
Created unnecessary financial hardship and reputational damage to my credit standing. 

I believe this action is unfair and harmful to long-standing customers in good standing. I am requesting that Wells Fargo : 1. Restore my previous credit limit, or provide a clear and valid reason for the reduction. 
2. Correct any negative impact to my credit reports caused by this action.

Desired Resolution : Reinstate my credit limit to its prior level, ensure no damage remains on my credit report, and provide assurance that future account changes will include advance notice and explanation.

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: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One is preventing me from accessing my credit card rewards due to overly restrictive fraud/security verification. I have a valid phone number on file, but Capital One uses a third-party verification service that incorrectly flags my number as unverified. 

This is not a new phone number it is the number currently listed on my Capital One account and should be accepted for verification. The issue began only after I purchased a new XXXX. Capital One has told me there is no override or alternate verification method ( such as email, app verification, or in-person verification ), leaving me unable to redeem or transfer rewards. 

This problem has effectively locked me out of my earned rewards despite being in good standing. Based on consumer reports in online forums ( XXXX, XXXX, etc. ), many other Capital One XXXX and XXXX XXXX customers have experienced the same issue, which suggests this is a known systemic problem with Capital Ones verification process.

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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts. Please remove these accounts they are hurting my ability to obtain credit.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report. Please remove these accounts from my report. They are hurting my abilty to obtain credit.

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: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Re : Dispute of Debt / Account # XXXXXXXX XXXX XXXX XXXX XXXX To Whom It May Concern, This letter is a formal notice that I dispute the alleged debt referenced above, which you have reported and/or attempted to collect. 

Pursuant to 15 U.S.C. 1692 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), you are hereby instructed to cease all communication with me except as allowed by law, such as to provide verification of the alleged debt or to notify me of specific legal actions. Any other attempt to contact me directly will be considered a violation of federal law. 

Additionally, under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute the accuracy of the information you or your agency have furnished to the credit reporting agencies. You are required to conduct a reasonable investigation and either : 1. Provide complete and proper validation of the alleged debt, including but not limited to : The name and address of the original creditor, A complete payment history, Proof of your legal right to collect or report this debt, and A copy of the original signed agreement or contract bearing my signature. 
2. Or, if such documentation can not be produced, immediately request deletion of this account from all consumer reporting agencies to which it has been furnished. 

Be advised that failure to comply with these federal requirements will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. I also reserve the right to pursue legal remedies for any violations of my rights under the FDCPA and FCRA. 

Please note that this is not a refusal to pay, but a dispute of the validity of this alleged debt. Pending your complete compliance, you must mark this account as disputed on all credit reports where it appears, in accordance with 15 U.S.C. 1681s-2 ( a ) ( 3 ).

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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Re : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, OH XXXX DOB : XX/XX/XXXX SS # : XXXX Subject : Formal Dispute of Inaccurate and Unverified Information on Credit Report To Whom It May Concern : I am writing to formally dispute inaccurate and unverified information currently appearing on my credit report with your agency. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy and integrity of the information you report. However, the following item ( s ) appear to be inaccurate and have not been properly verified despite previous disputes : Accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, First Premier, XXXX, XXXX XXXX XXXX I request that you immediately investigate this matter and provide a detailed report of how this information was verified. If the account ( XXXX ) can not be verified, I demand that you remove them from my credit file promptly, as required by law. 

Please be aware that credit reporting agencies are currently facing legal scrutiny for failing to thoroughly verify disputed items. This serves as notice that I am prepared to take further action if necessary, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, and pursuing legal remedies if this issue is not corrected within the timeframe provided by law. 

If the above has not been completed, please Delete these accounts and hard inquiries from my credit report and stop all contact with me. Under the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me regarding the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your company management. I also have the right to file a suit against you for any future violations of this law. 

I have attached a Police Report and FTC Report I expect your reinvestigation and a written response within the 30 days mandated by the FCRA. Thank you for your prompt attention to this matter. 

THERE IS SOMEONE APPLYING FOR CARS IN MY NAME AND THERE ARE SEVERAL INQUIRIES ON MY REPORT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/year>, Chase Bank reduced my personal credit card limit from {$19000.00} to {$3500.00} * * without cause * * or prior written notice. The account has * * no late payments or negative history * * and a * * low balance * * at the time of action. My * * credit score ranged between XXXXXXXX XXXX XXXX  across all three bureaus. 

When contacted by a Chase agent, I provided my * * annual income range of {$75000.00} {$100000.00} * *, but the agent ignored this and stated the reduction was due to minimum payments which was misleading because my personal account had a {$0.00} balance on XX/XX/year> and a {$3000.00} Advance in XX/XX/year> and my business account was also in good standing with consistent payments. 

The agent appeared intent on taking adverse action regardless of the information provided and referenced both my business and personal accounts without clear reason. No written Notice of Adverse Action was issued until a few days later and only available online. 

I believe this reduction constitutes * * an unfair and arbitrary credit decision * * and may violate the * * Equal Credit Opportunity Act ( ECOA ) * *, * * Fair Credit Reporting Act ( FCRA ) * *, and * * CFPBs Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ) * * standards. 

This cardholder reserves all remedy in equity and in law.

Company response to consumer: Closed with explanation