vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: SC

Complaint narrative:
Im filing this complaint because Experian has failed to meet its legal responsibilities under the Fair Credit Reporting Act ( FCRA ). Ive submitted multiple disputes regarding inaccurate or unverifiable information on my credit report, and Experian has not properly investigated or resolved these issues. 

Despite providing documentation and evidence, Experian has continued reporting the disputed items without correction or removal. Theyve either ignored the evidence I submitted or accepted unreliable responses from data furnishers without doing a thorough reinvestigation. I was also never given proper updates or explanations about the outcome of my disputes. 

This experience lines up with the recent lawsuit filed by the CFPB against Experian for widespread violations, including failing to forward consumer-provided evidence, relying on questionable responses, and not properly notifying consumers. Im one of the consumers affected by this behavior.

Experians inaction has negatively impacted my credit standing and violates my rights as a consumer. Im asking for immediate corrective action to remove or amend the disputed items in line with 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 explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Account with Capital One : Last XXXX XXXXits of the account- XXXX Loan type- Credit card Balance- {$400.00} Date opened- XX/XX/2022 Account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the account- XXXX Loan type- Credit card Balance- {$650.00} Date opened- XX/XX/2022 Account with XXXX XXXX  : Last 4 digits of the account- XXXX Loan type- Credit card Balance- {$660.00} Date opened- XX/XX/2022 * * * All this information is provided by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
There was a hard inquiry on my credit reports for synchrony bank Ebay credit card that I never applied for. It is fraud and was done without my consent.

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 2025-07-02 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 have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts information reporting to my credit report. These remarks have been detrimental to my life and credit health. I am a victim of identity theft. I have not applied for nor authorized anybody to apply for a personal loan in my name.

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 2025-07-02 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-07-02 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: NM

Complaint narrative:
I submitted a complaint through the CFPB on XX/XX/year>, regarding a XXXX XXXX account that I believe is being inaccurately reported on my Equifax credit report. 

Equifax responded to that complaint by stating that the account is not currently reporting on the Equifax credit file. However, this is false. The account is still actively reporting on my Equifax file as of XX/XX/year>, with a balance of {$6300.00} and marked as Charge-Off. 

I have uploaded screenshots from my myEquifax account showing the account is still present. This misleading or inaccurate response is unacceptable. 

I am requesting : A full reinvestigation of the XXXX XXXX account Proper deletion if the account can not be verified Accountability for Equifaxs false claim in the previous dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I HAVE REACHED OUT TO CFPB AND CAPITAL ONE CLAIMS THEY TRIED TO REACH ME. CAPITAL ONE MADE NO ATTEMPTS BY PHONE, MAIL, OR EMAIL TO CONTACT ME BEFORE FALSLY CLOSING MY COMPLAINT. 


On XX/XX/XXXX I made a Transaction on XXXX with their Goods and Services transfer feature as i purchased a Laptop through a XXXX XXXX Listing. I was charged an additional {$41.00} by Capital One for making this purchase as a Cash advance fee I contacted capital one on a recorded line in which i requested to be transferred to a manager after being told my purchase was a cash advance when it wasnt but my others that actual were ended up not being marked. The customer support agent was aware the call was records as it announces This call is being recorded Once i reached Supervisor XXXX i stated my self again the call was being recorded, she insisted i was not allowed to record the call but capital one is allowed to on their end before hanging up. I then reached back out to capital one recording on my end WITHOUT stating such, as XXXX XXXX  is a One Party state. during that call i spoke to an Account Supurvisor named XXXX who quite frankly was quite rude. during that call i once again tried to explain to XXXX that XXXX did not charge me any sort of fees and that Capital One did. XXXX was more concerned about continually interrupting me and trying to blame this on me then letting me explain the problem with him even interrupting stating I dont know i dont use XXXX and after several times telling him XXXX did not charge the fee capital one did i was still told to ask XXXX even though XXXX DID NOT CHARGE FEES CAP ONE DID XXXX on their app has an option to mark purchases as Goods and Services or Friends and Family I made a goods and services purchase. Not a cash advance. In fact just three days prior i did make a Friends and Family Transfer on XXXX in which they state is subject to the same fees for cash advance. They claim i was not charged a fee for it because their system missed it XXXX told me to dispute it through capital one but seeing on how im already on the phone with capital one asking for help, i dont see that helping too much at that point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-02 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: NV

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Someone beginning in XXXX of 2025 started to hack into my Bank of America account and XXXX themselves over XXXX dollars. I did not notice at first because it was not as often and I did not receive any notifications from Bank of America that a XXXX was being sent out of my account. 
XXXX XXXX {$800.00} sent to XXXX XXXX XXXX {$800.00} sent to XXXX XXXX XXXX {$450.00} sent to XXXX XXXX XXXX {$430.00} sent to XXXX XXXX XXXX {$400.00} sent to XXXX XXXX XX/XX/XXXX {$470.00} sent to XXXX XXXX XXXX {$820.00} sent to XXXX XXXX XX/XX/XXXX {$450.00} sent to XXXX XXXX XXXX {$450.00} sent to 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 monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I hope this message finds you well.

Im writing to report a fraudulent transaction that occurred through my PayPal account. On XX/XX/XXXX, I sent {$480.00} using Friends and Family to an individual on XXXX XXXX who claimed to be selling XXXX  for a XXXX XXXX XXXX XXXX. 



The payment was made in good faith, but it has since become clear that this was a scam. The seller : Has not shipped the item Has ceased all communication Is actively ignoring all follow-up attempts Has blocked me from contacting him on XXXX I fully understand that Friends and Family payments are not covered by standard buyer protection. However, I believe this situation qualifies as fraudulent use of PayPal, as the seller knowingly misused the platform to : Deceive me into using an unprotected payment method Advertise a non-existent product Avoid detection by exploiting trust-based payment options Transaction Details : Date of Payment : XX/XX/XXXX Amount : {$480.00} Item Description : XXXX XXXX XXXX XXXX XXXX XXXX  Platform Used : XXXX XXXX XXXX ID XXXX XXXX I am prepared to provide : Screenshots of the original XXXX XXXX  listing All message history with the seller XXXX  that I have been blocked and never received the item Please investigate this transaction under PayPals fraud policies, as the intent was clearly deceptive. I respectfully request that the associated PayPal account be flagged and that my case be escalated for review.

Thank you for your time and attention to this matter. I appreciate any help you can offer in either recovering my funds or taking action to prevent others from being scammed by this individual.

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: WV

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX, I sent a {$130.00} payment to XXXX  using Cash App to pay my phone bill. The transaction shows as completed in Cash App, and I have full documentation, including the payment ID and multiple screenshots showing the exact time, amount, and status of the payment. 


At first, XXXX acknowledged the transaction by referencing the payment ID and the last four digits of my debit card. Later, they reversed their position and claimed the funds were never received. I filed a missing payment request with them, which was denied and I was also denied any written explanation or formal denial notice. They also told me my service wouldnt be interrupted during the investigation, but my service was disconnected anyway. 

On the Cash App side, I filed a dispute which was quickly denied. Stating the merchant received payment. They told me to resolve it with XXXXeven though the funds clearly left my Cash App account and were never returned or refunded. 


I have gone back and forth between both companies, who just tell me to contact the other. I have provided clear proof of payment, and neither one has taken accountability. 

I need help in this matter, I have screenshots, transaction records, and they show the complete timeline to back up everything Im stating here. It is now XXXX and the lack of resolution and communication has gone on long enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received an anticipated refund from merchant. It was refunded as promised and showed on my account as pending along with my payroll deposit that same day showing pending. The following morning XX/XX/year> but the refund for {$940.00} disappeared. I called Wells Fargo and was given the complete run around, but getting a clear answer.

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 2025-07-02 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: NV

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently.

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: CBC Companies, Inc.
State: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: January Technologies, Inc
State: GA

Complaint narrative:
I am filing this complaint because multiple personal loan accounts from XXXX XXXX have been reported on my credit report, but I did not open or authorize any of these accounts. These accounts were opened without my knowledge or consent, and I believe I am a victim of identity theft. The accounts were : Opened in XXXX  without my authorization. Reported as closed but still appear on my credit file. Not associated with any payment delinquencies, yet are contributing negatively to my credit profile. I have reached out to the credit bureaus and XXXX  to request the removal of these accounts, but no resolution has been provided. These accounts are damaging my credit score and do not reflect my financial history. Legal Grounds ( FCRA Citations ) : According to the Fair Credit Reporting Act : FCRA 611 [ 15 U.S. Code 1681i ] requires credit reporting agencies to conduct a reasonable investigation if a consumer disputes any item in their file. I formally disputed these accounts and provided evidence that they were opened fraudulently. FCRA 605B [ 15 U.S. Code 1681c-2 ] entitles victims of identity theft to request that fraudulent information be blocked from appearing in their credit report. I submitted a fraud claim and supporting documents requesting that these accounts be permanently blocked. FCRA 602 ( A ) emphasizes the need for consumer reporting agencies to adopt reasonable procedures to assure maximum possible accuracy. Continuing to report accounts that do not belong to me violates this obligation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, Capital One abruptly closed all three of my accounts, citing activity they deemed inconsistent with typical customer usage. I received the closure notice on the same day the accounts were terminated, with no prior warning or opportunity to address any concerns. Whats most upsetting is that I had accumulated approximately XXXX XXXX reward miles across these accountsmiles I had earned over time through legitimate use. Capital One has since denied me access to those rewards and effectively erased them. It feels deeply unfair and disheartening, as if something I rightfully earned was taken from me without justification or recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-02 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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