vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I was charged XXXX dollars for return payment fee. They don't allow me to confirm my account number and they don't allow you to check if the account number is correct or not. I called the supervisor by the name of XXXX he said it confirms your account number. Which is a lie. I have screenshots to prove the company charges you incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
Around XX/XX/year> I received funds for a personal reason via Paypal, they notified me then that my account was deactivated and I would not have access to my funds until a XXXX  day period had lapsed, that period has lapsed and I still don't have access to my funds. It will not allow me to link a bank account to withdraw the funds. I've tried to contact customer service multiple times but I haven't been able to speak with a human being, only chat bots and I haven't gotten access to my funds. I am writing this on XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
To Whom It May Concern, I am writing to dispute an account currently reporting on my credit report that remains inaccurate. The account in question is a collection listed by XXXX XXXX XXXX ( XXXX ). 

I previously disputed this account with XXXX. They acknowledged my dispute and submitted a request for tradeline deletion to the credit reporting agencies. Despite this, the account continues to appear on my TransUnion credit report. I am attaching XXXX  letter as proof of their deletion request. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, TransUnion is required to investigate disputed information and ensure that any inaccurate or unverifiable information is removed from my credit file. 

Request : I request that TransUnion : Investigate this account immediately. 

Verify with XXXX that the account should be removed. 

Delete or remove the account from my credit report if it can not be verified. 

Provide me with written confirmation once the account has been removed. 

Please consider this dispute with the attached supporting documentation and take prompt action to correct my credit report. Failure to remove unverifiable information constitutes a violation of federal 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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Account XXXX : XXXX I am disputing the reinvestigation of this account. Your agency marked the account as verified, yet you provided no documentation, no description of the method of verification, and no evidence showing how you determined that the information furnished by XXXX XXXX XXXX was accurate. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation of any disputed information. A reinvestigation that relies solely on an automated furnisher response, without obtaining actual evidence, does not meet the standard of reasonable. 

Additionally, under 15 U.S.C. 1681i ( a ) ( 2 ) and 1681i ( a ) ( 4 ), the credit bureau must : 1. Forward all relevant dispute information to the furnisher.

2. Conduct a reinvestigation that includes a review of all information provided by the consumer. 
XXXX. Suppress or delete any information that can not be verified with documentary evidence. 

Your agency has not provided : The documentary evidence used to verify the account The method of verification The name of the person or entity contacted during the reinvestigation Proof that XXXX XXXX supplied original source documentation required under 1681s-2 ( a ) ( 1 ) Because the unit associated with this alleged debt was re-rented before the lease term ended, I contest the accuracy and legal validity of the amount being reported. The amount claimed is not legally owed, and no documentation has been provided by either the furnisher or the credit bureau showing : The re-rental date A full tenant ledger The legally permitted balance Any calculation supporting the reported amount Without furnishing the evidence upon which you relied, the credit bureaus reinvestigation is incomplete and unlawful. Any account that can not be verified with original, contemporaneous records must be deleted under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 

Because this account remains unverified, undocumented, and legally questionable, I am demanding a full reinvestigation and immediate deletion of this tradeline unless you can produce actual documentation proving the accuracy of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: LA

Complaint narrative:
Fortiva is incorrectly reporting my XXXX XXXX  line of credit as a revolving credit card. This is harming my XXXX  mortgage approval. Fortiva refuses to correct the reporting category. I request the account be reclassified as a consumer finance account, not a general-purpose credit card.. The limit is XXXX. And its making it look like my utilitization is very high.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I received my credit report and had an account charge off amount of {$2300.00} written off by XXXX  XXXX. The account was open XXXX and closed off on XX/XX/year>. I never opened this account and have been reaching out to the creditor. I sent over a validation form to the company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the XXXX  XXXX breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within XXXX days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX  Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$37000.00} Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Cell Phone Date opened XX/XX/XXXX Balance {$1800.00} Account name XXXX XXXX XXXX XXXX  Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$520.00} XXXX  XXXX  Account number XXXX Account type Medical Date opened XX/XX/XXXX Balance {$7500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CO

Complaint narrative:
Would you mind going over this entry? Being late, it might be inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: AZ

Complaint narrative:
Tried using a prepaid XXXX from XXXX XXXX ( {$150.00} ) to buy products on XXXX on XXXX, XXXX, and XXXX 2025. After speaking to XXXX ( first call rep ) and asking for someone higher I was connected to XXXX ( supervisor ) with XXXX XXXX they told me this card is not able to be used on XXXX because XXXX want to collect information and store it. XXXX says there system was showing invalid funds but upon calling XXXX XXXX ; they told me to use at another vendor and not XXXX. This is a XXXX card of which XXXX says they take. Asked for {$150.00} refund but was told no. I feel like this company is taking peoples money and selling with the backing of XXXX and then telling the XXXX is not accepted at XXXX or possibly other vendors even though XXXX says they do accept XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I recently opened a new account and was reading about how you can make your first deposit by check and its usually available by the next day. After I received a check from my previous bank, I decided to open an account with capital one and deposit said check. I get an email saying that my funds will not be available until next week and I cant wait that long. I called them to get an understanding of why MY check was taking long and they just claim that they have to thoroughly review the check? I ask what that means and they cant tell me. This is creating a hardship for me and I would just like to know what is going on?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: LA

Complaint narrative:
I am writing again in reference to a prior dispute I submitted, for which I have not received any proper response or seen any updates on my credit report. After continued monitoring of my report, the inaccurate information I previously disputed still remains unchanged. At this point, I must assume that a proper investigation was not conducted, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Snap Recovery, Inc.
State: NY

Complaint narrative:
I received a phone call and then a text message from snap recovery. They immediately text my husband and my mother with my information about a fitness debt. This was the first time I had received any notice from this company. They didn't even wait XXXX minute before reaching out to my family. This is illegal. They dont even know if those numbers are accurate and they are sharing my personal information with what could be random numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
I do not know from there to start, but situation is really sad to realize you are victim of identity theft. I recognized this than I started to get calls from debt collectors. After I checked my reports and found fraudulent accounts. There are XXXX fraudulent accounts from XXXX XXXX ( they are same account reporting inaccurately twice ) and XXXX from XXXX XXXX. Not enough they are fraudulent, also they report inaccurately. For example XXXX XXXX reports same fraudulent account twice with different numbers on Experian. I spoke with Creditors and credit bureaus and both sides requested FTC report for deletion. I am kindly requesting to remove fraudulent and same time inaccurate information from my EXPERIAN, TRANSUNION, EQUIFAX reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I do not know from there to start, but situation is really sad to realize you are victim of identity theft. I recognized this than I started to get calls from debt collectors. After I checked my reports and found fraudulent accounts. There are XXXX fraudulent accounts from XXXX XXXX ( they are same account reporting inaccurately twice ) and XXXX from XXXX XXXX. Not enough they are fraudulent, also they report inaccurately. For example XXXX XXXX reports same fraudulent account twice with different numbers on Experian. I spoke with Creditors and credit bureaus and both sides requested FTC report for deletion. I am kindly requesting to remove fraudulent and same time inaccurate information from my EXPERIAN, TRANSUNION, EQUIFAX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I hired a XXXX. He destroyed my home and did not do the repairs he was paid to do. He kept saying he needed more money to complete the repairs. Finally when I told him I wasnt paying him more money until he completed the jobs he got belligerent and I had to call the police. I attempted to work it out with him and he ignored me. I filed with CashApp on XX/XX/XXXX and provided the information and proof I had at the time. I was told XXXX  days. I never heard back. I filed with my bank who said they could not help with the dispute- cashapp had to handle it. I reached back out to cashapp and told them I had more documentation to prove this was a scam and fraud. They refused to take that information or allow me to send it in and told me to wait XXXX more days for a dispute update. Its been over a month with cashapp refusing to address this fraud. Ive tried talking to them through the app and the disconnect the chat, and through the phone where they just say theyll lodge a complaint and hang up on me. They refused to help or address the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
My name is XXXX XXXX, XX/XX/XXXX XXXX, This cfpb complaint has been filed to request intervention in pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX ( XXXX ) business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a veterinarian bill that was opended at XXXX  XXXX  animal hospital and now the debt is with a debt collector XXXX XXXX XXXX XXXX XXXX and the account was opened with them on XXXX XXXX, XXXX under the account number ending XXXX. This account has resulted in fraudulent XXXX inquires and a fraudulent collection appearing on my Experian credit report. This account was not made or initiated by me. The aforementioned account and XXXX  inquiry are the result of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
I am not related to these accounts ; they need removal within XXXX  days per USC 1681g.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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 am writing to formally dispute certain accounts and inquiries appearing on my credit report. I respectfully request a thorough investigation into the following discrepancies, as they appear to be inaccurate or incomplete. These issues have a direct and negative impact on my credit score, and I am seeking timely resolution in accordance with the Fair Credit Reporting Act ( FCRA ). Below, I have provided the details of the disputed accounts and inquiries, separated by bureau. 

CHARGED OFF ACCOUNTS XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} INQUIRIES XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX LATE PAYMENTS XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief