vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I disputed a transfer that was sent to the wrong person, I attempted to request it back from the person and never received anything. I created the dispute they denied my dispute and closed my cash app saying I violated their terms. This is the second time cash app closes my account after a valid dispute that they do not look into but deny. The first time my card was used to book a hotel, not in my city not in my name physical card was not used they booked it online and my dispute was denied and my cash app account was closed again saying I violated their terms. I just want my money backz

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: MD

Complaint narrative:
i disagree with the account listed below which still appears on my credit report, i would like this item immediatly re-investigated, the inaccuracies are highly injurious to my credit score ( SYNCB/PAYPAL. ) REPORTED BALANCE OF {$1600.00}. I HAD NO MISSED PAYMENTS. in accordance with the fair credit reporting act, public law 91-506, tittle VI, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXX and my social is 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 non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
Collection agency refused to send me paid in full letter after stating they will do so. After disputing balance amount on XXXX credit report they ( the collection company ) denied my dispute in which I stated that I paid my debt in full and have a XXXX balance. They then proceeded to reaffirm the collections account on my credit report with the full amount I already paid.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: OK

Complaint narrative:
Trans union removed XXXX points from my score for no reason. I didn't get reports added and/or etc. I'm in XXXX debt!

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 2025-04-13 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: SC

Complaint narrative:
I XXXX XXXX XXXX XXXXXXXX. Without my knowledge the Federal Student Aid people " applied '' for the Total and Permanent Discharge of my loans a XXXX XXXX XXXX XXXX. They claim they sent a letter explaining I needed to " opt out '' for this to be held. They claim they use a list of names the XXXX XXXX XXXX provides them of 100 % T & P veterans. ( the VA potentially has violated XXXX by disclosing my medical conditions to someone outside of the VA with my written medical release/authorization ). They claim they sent the letter to an address I did not even live at. At the time I lived in Washington DC and attended XXXX. The letter was supposedly sent to North Carolina residencewithout requiring a signature or with delivery confirmation to ensure they knew it was delivered. Due to this my loans were forgiven and they apparently did not forgive my remaining balance even though I am entitled to it by law. Per the law after the discharge the only way I could receive further student aid is by getting a letter from my physician saying my XXXX no longer affects my ability to work and I had to fill out a form acknowledging the additional loans would not qualify for TPD based on my XXXX from military service. None that occurred. They have waited 5 years and now they are filing things on my credit that I had no idea existed ; for money I do not owe. My credit score/FICO score has dropped significantly. I have called XXXX and Federal Student Aid numerous times one day I was on the phone for 6 hours and they still did not provide me with the documentation I have requested showing I owe this money. They told me a new company is taking over the TPD process and they would be able to fix it but that won't happen until the end of XXXX XXXX. My credit is being destroyed while I sit in limbo and can't do anything.

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 2025-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: PA

Complaint narrative:
Credit Corp Solutions continues to text me in regards to a XXXX debt. I offered to settle the debt on account # XXXX for {$520.00} via the text. They agreed to this amount and agreed to remove it and mark it as paid on my credit report. I then log on to the website where I join a chat and an agent confirms that they will accept the amount of {$520.00} to settle the debt. In both instances they go back on their word and refuse to settle for less than {$2000.00} despite having a verbal confirmation that they would accept the amount of {$520.00} ( original debt amount : approximately {$2600.00} ). I asked for the case to be escalated. It was, and I was treated rudely by the manager who would not let me escalate further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: SC

Complaint narrative:
I am submitting this complaint under Section 605B of the Fair Credit Reporting Act regarding fraudulent credit card accounts that have appeared on my credit report. These accounts are not mine and were opened without my knowledge or authorization.

I believe these fraudulent accounts may be connected to the Equifax data breach, which exposed personal identifving information and placed me at increased risk of identity theft.

Despite my efforts to dispute these accounts directly with the credit reporting agencies, they have not been removed. I am requesting that the Consumer Financial Protection Bureau assist in having these fraudulent accounts permanently blocked from my credit report in accordance with Section 605B.

Attached are supporting documents, including a copy of my FTC Identity Theft Report and a police report, if available. 
Thank you for your assistance.

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 2025-04-13 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: SC

Complaint narrative:
I am submitting this complaint under Section 605B of the Fair Credit Reporting Act regarding fraudulent credit card accounts that have appeared on my credit report. These accounts are not mine and were opened without my knowledge or authorization.

I believe these fraudulent accounts may be connected to the Equifax data breach, which exposed personal identifving information and placed me at increased risk of identity theft.

Despite my efforts to dispute these accounts directly with the credit reporting agencies, they have not been removed. I am requesting that the Consumer Financial Protection Bureau assist in having these fraudulent accounts permanently blocked from my credit report in accordance with Section 605B.

Attached are supporting documents, including a copy of my FTC Identity Theft Report and a police report, if available. 
Thank you for your assistance.

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 2025-04-12 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: MD

Complaint narrative:
Incorrect reports of charge off for auto loan on my account. This is cause of stress and XXXX in my life

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Incorrect reports of charge off for auto loan on my account. This is cause of stress and XXXX in my life

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am formally disputing several inaccurate, unverifiable, and potentially unauthorized accounts currently being reported on my credit file. I recently obtained a copy of my TransUnion credit report and was deeply concerned to find the negative accounts, which are damaging my creditworthiness and putting me at risk of being denied for essential financial opportunities.

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 2025-04-13 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: MO

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXate Opened XX/XX/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 2025-04-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: TN

Complaint narrative:
NCB Management Service re-added the collection XX/XX/scrub>XXXX  on my credit report after it was removed for a couple weeks ago on XX/XX/year> as it damaged my credit as Im constantly getting denied for getting a new house. I constantly sent letters after letters to removed due to different amount balance I actually owed. The paper they send says over {$9000.00} but on all my credit report says over {$6500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: PA

Complaint narrative:
I recently became aware of the existence of XXXX XXXX and requested access to my own files. I am trying to take control of my credit and debt from a business I closed a few years ago, and I working on paying down a XXXX XXXX bankruptcy. I believed XXXX XXXX was to be used for the following as they state in the documents they send : Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access. 
I see multiple accesses from marketing companies which explains why I have been harassed for 3 years by aggressive lenders offering me same day loans for my business, up until 2 days ago? Endless calls and texts preying on my misfortune? 
And why over a year since being hit by a car I get phone calls from " insurance companies '' about maybe more injuries? 
I could never figure out how they were getting my information after deleting all social media and online presence. Thanks XXXX XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
checked my credit report and noticed that there's a lot of inaccurate information on my report I respectfully express my concern over the violation of my consumer rights through the dissemination of inaccurate information. Equitable treatment and adherence to accuracy and compliance responsibilities are my rightful expectations. Please provide all available details on their shortcomings. Negative information, regardless of certification, is intolerable. The factual truth regarding your company 's operations and the data pertaining to my credit profile is of utmost significance. The lack of accuracy in the credit report I received is surprising, given the expected adherence to the FCRA and data field formatting standards. I challenge you to create a verified, complete, and truthful document that presents evidence for each claim. Any deviation from these standards, as highlighted in the 2020 XXXX, jeopardizes data integrity, posing a serious issue

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have no other names but XXXX XXXX and no other addresses except XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There are different variances of names and addresses on my credit report, all of which do not belong to me. There is also employment history marked inaccurately that i would like removed. I have contacted Experian, Equifax and Transunion. They have all refused to update and remove all incorrect personal information. Their negligence in doing so is harming both my credit score and my reputation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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.
State: FL

Complaint narrative:
I have no other names but XXXX XXXX and no other addresses except XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There are different variances of names and addresses on my credit report, all of which do not belong to me. There is also employment history marked inaccurately that i would like removed. I have contacted Experian, Equifax and Transunion. They have all refused to update and remove all incorrect personal information. Their negligence in doing so is harming both my credit score and my reputation

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Dispute item Amount : 773 Account : PORTFOLIO RECOVERY Account : PORTFOLIO RECOVERY Result Denied XXXX investigated your dispute but the information was verified as accurate. Other information was also updated. 


PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: CA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX. IT IS SHOWING XXXXXXXX XXXX FRAUDULENT CREDIT CARD ACCOUNT ENDING XXXX IN MY CREDIT REPORT WHICH IS FRAUDULENT AND MUST BE REMOVED NOW IT IS ALSO SHOWING FOLLOWING FRADULENT INQUIRIES THAT MUST BE REMOVED FR MY CREDIT REPORT XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX I AM THE ONLY PERSON WHO MADE THIS STATEMENT

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 2025-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing this complaint because Capital One failed to properly investigate and resolve my dispute regarding a {$250.00} order fee charged by XXXX. XXXX refused to complete my vehicle purchase after I presented documentation for my Georgia XXXX XXXX  Tax Exemption, which is protected under state law.

I qualify for a full Title Ad Valorem Tax ( TAVT ) exemption under O.C.G.A. 48-5C-1 ( d ) ( 6 ). This law provides eligible XXXX XXXX  with a legal exemption from vehicle tax in Georgia. I provided the appropriate paperwork to XXXX during the vehicle ordering process. However, XXXX declined to honor the exemption, effectively canceling the transaction on their end. I never received the vehicle or any service in return. 

Capital One denied my dispute without properly considering that XXXX refusal to honor a lawful, state-issued exemption led to the cancellation of the transaction, not any action on my part. The non-refundable clause XXXX references should not apply here, because they failed to fulfill their end of the purchase agreement and refused to comply with state law. Knowing I cant operate a vehicle without my XXXX tag. 

I have already filed a complaint with the Georgia Attorney XXXX XXXX against XXXX regarding their refusal to honor the XXXX exemption. I am currently awaiting a response from their office. 

It is extremely concerning that Capital One did not take the time to fully investigate my claim or review the legal documentation and explanation I provided. Instead, the dispute appears to have been dismissed automatically in favor of the merchant. 

I am requesting that Capital One reopen the dispute, properly evaluate the situation in light of Georgia state law, and acknowledge the legal protections afforded to XXXX XXXX. This is not only a matter of consumer fairness but also of compliance with the Fair Credit Billing Act, which requires a reasonable investigation of all disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
deposited a {$3500.00} check into my Chime account on XX/XX/year>2025. The check has cleared with the issuing bank, and they confirmed the funds were withdrawn. Despite this, Chime placed a hold on part of the funds and refuses to release them early, citing automated processing. 

I spoke to Chime support, including a supervisor, and requested manual review by someone authorized to override the hold such as their Risk or Deposit Operations team but was told there is no way to escalate or intervene. This has caused financial hardship, as the funds are urgently needed.

Im requesting that Chime release the remaining funds based on confirmation that the check has cleared and to reconsider their refusal to review or manually override the hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: DISCOVER BANK
State: NY

Complaint narrative:
I received a notification from my credit bureaus that lender inquirys were present. I did not apply for anything so someone is doing fraud and applying for credit multiple places. The following places and date are where it happened : DISCOVER FINANCIAL SERVICES Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have credit inquiries on my account even though i did not apply for anything

Company response to consumer: Closed with explanation