vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 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: DC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$470.00} XXXX XXXX XXXX XXXX XXXX  -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Credit acceptance didn't give me a option to resolve any thing by law I'm into tile to get a payment arrangement that they never gave 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 2025-09-27 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/scrub> 2025, I purchased XXXX miles from XXXX XXXX XXXX XXXX XXXX using my American Express card ending in XXXX. My statement shows I was charged four identical transactions, each for USD XXXX ( total USD XXXX ). In XX/XX/year>2025, XXXX XXXX XXXX unilaterally removed the miles from my account without any notice or authorization and has refused to refund me. I filed complaints with the XXXX and XXXX consumer authorities on XX/XX/year>2025 and XX/XX/scrub> 2025, and I opened disputes with Amex. Two of the four charges have been refunded ; the other two remain unresolved and correspond to Amex dispute case numbers XXXX and XXXX. I have repeatedly submitted evidenceincluding account screenshots showing the mileage removal, transaction records, communications with the merchant, and the consumer-authority filingsbut XXXXXXXX XXXX XXXX refused mediation and provided what I believe are false/insufficient service rendered documents, which Amex has repeatedly accepted to deny refunds on the two remaining charges. For reference, the Transaction Reference Numbers ( TRN ) for the four charges are : XXXX, XXXX, XXXX, XXXX. Amex has not clearly mapped these TRNs to dispute outcomes, making it impossible for me to confirm from TRNs alone which two were refunded and which two were not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-27 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:
Experian is charging me for a membership that I did not ask for

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 2025-09-27 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: NY

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize.

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: MI

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/2020 - Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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 filing this complaint against Equifax, Experian, and TransUnion regarding an account reported by XXXX XXXX XXXX XXXX ( Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The information being reported is inaccurate, incomplete, and unverifiable, violating my rights under the Fair Credit Reporting Act ( 15 USC XXXX ( b ) and XXXX ) and Metro 2 compliance guidelines. 

The bureaus are reporting conflicting data : Different high balances across all XXXX bureaus ( {$26000.00} vs {$0.00} vs {$25000.00} ) Equifax reports {$0.00} credit limit while TransUnion and Experian show {$25000.00} The account is marked charged-off yet still reflects an active balance, which violates standard charge-off reporting procedures Payment history fields contain inconsistent cXXXXes ( e.g.XXXX XXXX  XXXX, and XXXX  ) with no clear status explanation Additionally, Equifax has marked the dispute as resolved consumer disagrees while also stating reinvestigation in progress, which violates FCRAs reinvestigation timelines under 15 USC XXXX ( a XXXX ( XXXX ). 

I am invoking my rights as part of the Equifax data breach settlement ( XXXX v. Equifax, XXXX XXXX 2017 ) since my personal data may have been compromised. Equifaxs ability to report any disputed data that can not be verified with original furnishers has been nullified by their breach. 

I have submitted disputes to all XXXX bureaus, and they have failed to correct or delete this unverifiable and conflicting tradeline. This is a clear pattern of willful noncompliance and negligent investigation. 

I am requesting : A full deletion of this XXXX XXXX account from all XXXX credit bureaus A written resolution report from each bureau Enforcement actions or additional oversight from CFPB if the bureausfailtocomply

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 2025-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Notice of Dispute/Complaint Regarding Reinserted Account Without Notice or Proper Verification multiple FCRA Violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), related to the improper reinsertion of a previously disputed and removed collection account. 

I have disputed this account multiple times with XXXX  under the FCRA, and it was removed from my credit report following those disputes. However, this same account has been reinserted on the following dates without any written notice to me, as is required by FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reinserted again in XX/XX/XXXX and remains as of XX/XX/XXXX Per FCRA 1681i ( a ) ( 5 ) ( B ) : > If any information is deleted from a consumers file and is subsequently reinsertedthe consumer reporting agency shall notify the consumer of the reinsertion not later than 5 business days after the reinsertion and shall include in the notice : > ( i ) a statement that the disputed information has been reinserted ; > ( ii ) the business name and address of the furnisher ; and > ( iii ) the telephone number of the furnisher No such notices were ever provided to me following these reinsertions. 

Furthermore, XXXX  failed to obtain the required certification of accuracy from the furnisher ( Credence Resource Management ) prior to reinserting the information, as required under FCRA 1681i ( a ) ( 5 ) ( B ) ( i ).

Violations Include : * Failure to provide written notice of reinsertion within 5 business days * Failure to obtain and document certification of accuracy from the furnisher * Repeated reinsertion of deleted information, suggesting systemic FCRA noncompliance * Continuing to report a disputed debt without proper verification or disclosure I have attached documentation to support this complaint, including relevant credit report snapshots and dates of reinsertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and tracking the transaction were unfeasible. CFPB indicate that Zelle is neglecting to protect consumers, allowing repeat offenders to exploit the system leaving user vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: NV

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file.

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 2025-09-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Prince Parker & Associates
State: CA

Complaint narrative:
The XXXX of XXXX I called Prince and Parker collection agency and a man by the name XXXX answer the phone when I asked him to transfer my call to someone else before verifying me he said XXXX you still owe {$3000.00} dollars with my sister was holding the phone and heard everything. He never comfirmed I was on the call then disconnected the call. 

Time stamp was between XXXX XXXX XXXX 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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file.

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 2025-09-27 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
The loophole used was a promotional deferred interest however I did not realize it was a 75 % interest up charge on the original bill. I told them I was willing to pay the bill in full but not the extra interest they declined. I find it extremely difficult to process that this is legal. At the time of signing up for the card it was through a dental office, and I was explained, but not fully understood. I have a documented XXXX and I feel this is very unfair. 

Synchrony Bank Original amount owed was XXXX. The interest 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 explanation
Consumer complaint received 2025-09-27 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: LA

Complaint narrative:
I have an open case with youXXXX. I called Cash app and asked him what's going on and they're giving me false information saying that I use the money for loan purposes which clearly shows that someone's trying to continually pull money out of my account. And then I'll have another agent claim that they can't even find a transactions. Multiple people give me multiple answers which doesn't even apply I don't know what their deal is but it can clearly see it on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Auto Acceptance, LLC
State: CA

Complaint narrative:
I used to drive a XXXX XXXXXXXX XXXX got it at a really sketchy dealership where they sell used cars & i needed it for work so i got the car in a heated moment. But the thing is i didn't want the car anymore because it came with alot of problems, leaked cable on the bottom with the AC, breaks were bad, everything... i took it to XXXX & they told me it would take {$7000.00} to fix it. So i decide to let it repoed but the thing is when it got repoed, they should have called me & let me get my personal belongings back to me in person. But no they decided to do it the wrong way. I am missing stolen items. Personal belongings. I need them back. 
I also had the seller of the car harassing me daily with text messages & calling me from different numbers & also calling my friends without there consent, My friends told me that they were getting unwanted daily calls & it got to a point where it was harassment calls. It also got to a point where the guy who sold me the car or i don't know who but they went to my house & were hunting me down/stalking me daily. Asking neighbors where i lived... Put notes on my garage! They were invading my privacy

Company response to consumer: Untimely response
Consumer complaint received 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
to whom it may concern : I've been a customer of capital one for several years! with that being said i had two credit cards lines with! one card with XXXX $ usd and one with XXXX $ usd on the first week of XX/XX/year>2025 i tried make payments through the app as usual in connection i used my bank acct XXXX  XXXX XXXX. i would always make the majority of my payments and transfers via this app to capital one .i never had any issues doing so. keeping in mind i will always make two payments on both card ones a month. however my XXXX payment didn't go through. l proceeded to call customer service of capital one. i wanted to know why weren't they receiving my payments after speaking to a capital one representative they told me that they didn't see any payments to try to contact XXXX  XXXX XXXX. I did so .XXXX  XXXX XXXX told me they did see a problem to please call back capital one. the very next morning went to capital one branch .went i got there the bank was close so i decide to make a payment at the ATM Machine as i proceeding to make both payment one of the the payment was return to me next morning i went back to capital one then spoke to a nice gentlemen. I explained what had happen he told me after looking at my account to turn off my phone and delete the app and reinstall the capital one app so i did. telling me it could of be a small eclipse but that was not the issue capital one close my account for suspicious fraud. they didn't even notified me of anything they just closed my acct. spoke to managers supervisors and even the department of Froud. nothing was done to help me in any possible ways put in fact now they are offering me credit cards with a higher credit line then what i previous had with them .i of course will not accept. because if i do the little bit of credit i got will disappear i will have to start all over again to create credit. beside they were very on grateful to me after so many years of being a loyal customer to them. the only thing a will accept from is my acct to be reopened, and i can pick up where i left off. once again thanks for nothing. they really did a number on me i did not deserve this. now am stuck because i cant even appeal for a credit card period. well not at this very moment do to some personals decision i want to make therefore i need to have the avenge credit score i currently have now so doing that will be everything vanishing rite in front of my eyes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My wife and I had a joint account with Citibank containing approximately {$30000.00}, which represents our familys life savings. Without warning, Citibank froze and then closed my wifes personal account and our joint account. When I called for an explanation, I was told the accounts were under review. 

I spoke with multiple representatives : XXXX, who told me the issue would be resolved within XXXX hours. That promise was never honored. 
XXXX, who gave me conflicting information with no resolution. 
A supervisor who noted my hardship but gave no real help. 
Most recently, XXXX, who confirmed that Citibank refuses to send my funds securely. 

I also have screenshots of Citis online chat conversations, which I am uploading with this complaint. These show Citis repeated delays, broken promises, and refusal to provide basic accountability.

I was told that Citi will return my funds by mailing a check in 3060 days with no tracking or secure delivery. I requested several times that the check be sent by overnight FedEx/UPS with tracking and signature required, but Citi refused XXXX This creates extreme risk of the funds being lost or stolen. 

This situation is causing severe hardship, as my family depends on this money for rent, food, and basic living needs.

Requested Resolution : 1. Immediate release of our {$30000.00}, or expedited delivery of the funds.

2. That the check be sent by overnight secure delivery with tracking and signature required. 
XXXX. Written confirmation of the account closure and the exact payout amount.

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 2025-09-27 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: GA

Complaint narrative:
I am submitting this formal complaint regarding numerous inaccuracies currently being reported on my credit file, which I believe may violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. These inaccuracies span personal identification, address history, and the reporting of several accounts. 
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 Balance : {$370000.00} Date Opened : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Late 30 days XX/XX/XXXX. late 60 days XXXX. late 90 days XXXX. 
XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} Late 90 Days XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} Late 90 Days XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} Late 90 Days XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} Late 90 Days XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$940.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1800.00} AXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Balance : {$770.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute any inaccurate, incomplete, or unverifiable information on their credit reports. The FCRA ( 15 U.S.C. 1681i ) requires that credit reporting agencies conduct a reasonable reinvestigation of disputed information and correct any data that can not be verified.

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