vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-09-17 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: AZ

Complaint narrative:
transunion is reporting fraudulent information, i have submitted a dispute online with all supporting documents related to this fraudulent information and accounts. under 605b fraudulent information disputed must be blocked and removed within XXXX business days.

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 2025-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hey already I closed all this account its supposed be removing from my credit report but still in my account please I need to remove it from my account XXXX  XX/XX/year> XXXX / XXXX XXXX XX/XX/year>. XXXX XXXX XXXX XXXX XX/XX/year>. XXXX XXXXXX/XX/year> All this account is closed but still in my account

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 2025-09-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: TX

Complaint narrative:
I filed XXXX timely disputes with Capital One regarding purchases on my business credit card, including a {$180000.00} XXXX transaction for a luxury watch ( Order # XXXX, billed XX/XX/year> ), a {$6000.00} XXXX charge ( billed XX/XX/year> ), and a {$5300.00} XXXX purchase ( billed XX/XX/year> ). 

From the beginning, Capital One repeatedly acknowledged the disputes, issued temporary credits, and requested further documentation. I submitted everything they asked for, including : Police reports and correspondence from the XXXX XXXX County Sheriffs Department confirming an active investigation. 
FedEx proof of delivery showing Direct Signature Required but no valid recipient signature ( only XXXX XXXX ). 
Letters from the County Attorney confirming records could not yet be released due to the investigation. 
XXXX communications providing a Service Request number and Dispute Reference number, confirming that XXXX is self-insured and Capital One, as the issuer, must resubmit the claim. 
Hundreds of pages of supporting documents uploaded through Capital Ones secure portal, with upload confirmations. 

Despite this, Capital One continuously moved the goalposts. Every time I uploaded documents, they sent me letters claiming none of the information had been provided. When I called to clarify, their agents admitted the documentation was received but then demanded new items or specific wording that was impossible to obtain because the police report and county records were restricted. Even after providing alternative documentation, they dismissed it. 

Finally, after weeks of complying with every request, Capital One shifted tactics. They began sending letters stating that my disputes were no longer valid because the XXXX window had passed. This is false. I filed all disputes within 60 days of the statement dates, provided all requested documents on time, and communicated with Capital One multiple times before the deadline. Their own records show they were actively investigating during this time. 

XXXX confirmed that they would honor a resubmitted claim if Capital One filed it, but Capital One refused to do so. Instead, they closed all three disputes, restricted my business account, and are now reporting that the time limit expired, blaming me despite my compliance. 

This behavior shows a pattern of bad faith handling. Capital One ignored evidence, mischaracterized my responses, and changed their reasoning to avoid resolving the disputes. Their contradictory letters ( no documents provided vs. time expired ) prove that they are obstructing rather than investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
PennyMac Loan Services is being reported inaccurately on my XXXX  credit file. The account shows as foreclosed in XX/XX/XXXX with a balance of {$0.00}. However, XXXX  is also continuing to show the account as XXXX  days past due after the foreclosure date. Once an account is foreclosed and closed with a {$0.00} balance, it can not also be reported as currently past due. 

In addition, the tradeline is incomplete. The fields for original balance and highest balance are left blank, even though the account is being reported as a foreclosure. This makes the reporting misleading and inconsistent with the FCRAs requirement of maximum possible accuracy and XXXX XXXX reporting standards. 

I disputed this account with XXXX  in XX/XX/XXXX, but the issues were not corrected. XXXX update left the same contradictory information in place and no documentation or verification was provided. 

I am requesting that this account be corrected to reflect accurate foreclosure reporting, or deleted entirely for failure to comply with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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:
We are unable to access funds in our Paypal account. Paypal placed a limitation on our business account on XX/XX/year> and requested we upload verification documents. We uploaded these documents immediately on the same day, and according to their language, they stated they would get back to us within XXXX  days. It's now been nearly a month with multiple calls to customer service with no update from their side and we are unable to access the funds in our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: UT

Complaint narrative:
I am disputing an inaccurate late payment reported by XXXX ) -XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to Equifax Information Services LLC on my 1 ) -Mortgage, 2 ) -Credit line secured, 3 ) -Credit Card, 4 ) -Unsecured loan account XXXX ) XXXX, XXXX ) XXXX, XXXX ) XXXX, XXXX ) XXXX for the date XXXX ) XXXX, XXXX ) XXXX, XXXX ) XXXX, XXXX ) XXXX. This reporting is incorrect and has negatively impacted my credit score. 
Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i & 1681s-2 ), credit bureaus and furnishers are required to ensure accuracy and conduct a reasonable investigation of disputed information. Despite my formal dispute, the inaccurate late payment remains on my credit report. 
Additionally, case law such as XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX ) ( XXXX ) confirms that furnishers must thoroughly investigate disputes and can not continue reporting misleading information. This failure violates the FCRA, TILA, and UDAAP regulations. I have made multiple attempts to resolve this matter, but no corrective action has been taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
CHASE IS AN AWFUL BANK. THIS IS THE MILLIONTH TIME I HAVE HAD PROBLEMS WITH CHASE. THIS TIME THEY ARE REFUSING ME ACCESS TO MY CHECKING ACCOUNT. I AM A SENIOR CITIZEN AND THEY ARE PREVENTING ME ACCESS TO MY SOCIAL SECURITY. THIS BANK NEEDS TO HAVE PENALTIES ASSESSED ON THEM. THEY ARE FLAGRANT VIOLATORS ARE BUSINESS PROTOCOLS. DO NOT USE CHASE AS YOUR BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: LEXISNEXIS
State: MD

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I created a Robinhood account. XX/XX/XXXX. 

I transferred assets from XXXX to ROBINHOOD I deposited financed same day. XX/XX/XXXX. 

Bought XXXX and transferred out to cold wallet. 

They froze my account, I couldnt contact customer service as it says they are viewing my account. 

Then they for sold all of my assets and said they are closing my account. 
XX/XX/XXXX. 

They sold all of my assets, XX/XX/XXXX and are not releasing my finances to withdraw. When I click withdraw it says account restricted. I emailed them for the past XXXX weeks asking to release my funds and they have not replied..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland credit solutions has threatened to take legal action for a credit card that had the debt paid for by them without my knowledge or consent. I do not owe them money for them choosing to buy my debt without my knowledge

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$840.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$6200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-17 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: GA

Complaint narrative:
I have contacted all these creditors requesting validation for each account and I have not receieved anything from them. as I explained I am a victim of fraud and have not given anyone permission to use my personal information to open these fraudulent accounts. So I am asking you guys to investigate and remove all the accounts I will list below along with the fraudulent addresses that were used to open these accounts. 
XXXX XXXXXXXX XXXX XXXX XXXX  times on my credit different accounts 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 XXXXXXXX and all of these addresses listed below needs to be removed also as follows : XXXX. XXXXXXXX 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 XXXXXXXX. 
Please remove all mentioned items listed above per 15 U.S.C 1681 S-2b under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C 1681 et seq, and 15 U.S.C 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I am filing a complaint regarding Honda Financial Services. The vehicle was originally placed in my mothers name while I was under a XXXX XXXX XXXX. When I later attempted to assume the loan with a {$2000.00} down payment, Honda denied the transfer, leaving the balance on my mothers credit and damaging her financial profile. 

Following Hondas denial of both the transfer and an extension, I have been forced to rent from XXXX at nearly {$2000.00} per month. My rent is {$3500.00}, while my income is {$3700.00} every XXXX weeks ( about $ XXXX ). My husband earns $ XXXX, but together we can not sustain these expenses. 

Despite holding a XXXX XXXX in XXXX XXXX and over XXXX  years of experience, I am underpaid and struggling. Hondas refusal to provide reasonable hardship accommodations has jeopardized my stability and unfairly impacted my mothers credit. I believe these practices are harmful to consumers and respectfully request regulatory review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: NY

Complaint narrative:
I am filing a complaint against Cash App regarding a {$60.00} payment I made on XX/XX/year> to $ XXXX. The recipient can not access this account, meaning the payment failed its intended purpose. 

Cash App reviewed my dispute and denied it twice, stating that the payment was authorized. However, the problem is not fraud it is that Cash App is holding funds in an account that is inaccessible to the recipient and refusing to reverse or return them. 


This case highlights a failure in Cash Apps dispute resolution process, leaving me without a remedy and my funds effectively trapped.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$3200.00} XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX EMPLOYERS NOT RECOGNIZED XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 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 explanation
Consumer complaint received 2025-09-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$3200.00} XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX EMPLOYERS NOT RECOGNIZED XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation