vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2025-12-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: AZ

Complaint narrative:
I had my cash app for years no problems no over drafts no nothing I got on XXXX and became friends with a group of girls who are very malicious known as XXXX XXXX they in an attempt to harasse they fixed my address and reported my cash app and cash app closed it I provided proof I provided the video where they stated this and cash app refused to listen and closed me and my daughters account with no attempt to resolve or listen to anything they did no investigation they did nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Several accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. 
This inclusion presents inaccurate and misleading information about my financial history, which is entirely unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I requested a full accounting review from Regions Bank for my credit card account on XX/XX/year>, including documentation showing how interest and finance charges were calculated under the Truth in Lending Act and Regulation Z ( 1026.6, 1026.7, 1026.13 ). Instead, my request was misclassified as a credit reporting dispute on XX/XX/year>, and the required underlying records were not provided. The total interest paid has exceeded the original credit line extended, raising concerns about proportionality and whether the interest and finance charge calculations remain consistent with the originally disclosed terms. I followed up again on XX/XX/year>, and have not received a written response. As of XX/XX/year>, I am requesting the CFPBs assistance to obtain the full accounting and underlying computation records needed to verify the accuracy of all interest and fees.

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 2025-12-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA closed my account and froze {$6900.00} without providing a funds-disbursement timeline. 
I did not receive meaningful notice prior to the freeze, and I can not access my own money to pay my mortgage and support my children. 
I am requesting immediate release of funds or expedited disbursement due to financial hardship

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 2025-12-02 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Property Receivables, Corp
State: TX

Complaint narrative:
I moved out of a home with XXXX XXXX and still owed the early termination fee of XXXX ( We bought a home ). We had scheduled to pay the debt on XXXX with my holiday bonus. Property Receivables received the debt XX/XX/year> and called us incessantly, which was annoying but understandable. However, they crossed a line when they started calling my sister and brother in law. I believe this is a CFPB violation as they are calling a third party outside of what Texas law states. I do not share a last name with either or them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/XXXX, my car was wrongfully repossessed by a company called XXXX XXXX XXXX hired by Capital One Auto Finance under the guise that my car had an unpaid lien. I bought the car outright in cash from XXXX XXXX. I have the physical title in my hands, and it belongs to me. Capital One makes it super hard to even get ahold of someone real to talk to, let alone actually speak XXXX enough to understand me and my odd situation. I was sent to several different numbers and only got robots for the most part. They put me in extremely vulnerable situations to even share super personal information with people who couldn't help me at all. i spent XXXX whole hours on the phone just trying to prove I'm the owner. They have yet to prove that there was any actual lien on the car. It's been XXXX days since the repossession.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-12-02 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: NY

Complaint narrative:
I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : 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 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 The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : 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 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 The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: UT

Complaint narrative:
In XX/XX/XXXX, I discovered that the identity section of my LexisNexis consumer file contained multiple inaccurate and unrelated personal identifiers, including incorrect name variations, an incorrect date of birth variation, an incorrect Social Security number variation, numerous incorrect and out-of-state address variations, and multiple email addresses that do not belong to me. Some of these identity elements appear to belong to other individuals, including an email address belonging to a bankruptcy attorney and another email address from an unrelated third party. 

On XX/XX/XXXX, I submitted a formal written dispute requesting reinvestigation and deletion of all inaccurate identity information in Section 1 of my file. LexisNexis received my dispute by certified mail on XX/XX/XXXX. 

On XX/XX/XXXX, LexisNexis mailed several separate envelopes containing partial reinvestigation results. These mailings did not include an itemized outcome for each disputed identity element and did not include the required updated consumer file showing whether any of the inaccurate identity information was corrected or deleted. The identity errors I disputed were not addressed in a legally compliant manner, and none of the mailings provided confirmation that these inaccuracies were removed. 

As of today, LexisNexis has not provided : a corrected consumer file, an itemized list of the results of reinvestigation for each disputed identity item, or documentation showing that the disputed names, DOB variations, SSN variation, address variations, or email variations were corrected or deleted.

Because LexisNexis did not provide the required updated consumer file or proper reinvestigation results, I have no way to confirm whether any inaccurate identity information has been corrected. The incomplete mailings I received did not resolve the issues raised in my XX/XX/XXXX dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have PayPal and have had it for years. I had a company not send me my product so I filed a complaint with PayPal. They sided with the seller so I told them I want to close my account and they keep making excuses. I can not call them and the online messaging wont help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-02 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am filing this complaint because the credit bureaus are reporting accounts and inquiries that are inaccurate, incomplete, or not verifiable. These errors are harming my credit and I am requesting a full reinvestigation. Any item that can not be validated with proper documentation should be corrected or removed as required by the FCRA. 
Charged-Off / Negative Accounts Dispute The following accounts contain incorrect balances, dates, ownership issues, or appear to be unverifiable. Some show {$0.00} balances but are still reported negatively, which is inaccurate. 

XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$1800.00} XXXX  XXXX XX/XX/XXXX {$220.00} XXXX XXXX XX/XX/XXXX {$6400.00} XXXX  XXXX XXXX XX/XX/XXXX {$430.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$1500.00} XXXX  XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX {$1500.00} These accounts do not match my records and may be inaccurate or outdated. I request validation or removal. 

XXXX. Hard Inquiries Dispute These inquiries were not authorized by me or occurred due to multiple pulls by the same dealership/lender without permission. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Any inquiry without proper consent should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
The Deed of Trust lists both me and my husband as borrowers and grantors. I am not a non-borrowing spouse. 

However, the servicer ( Mr. Cooper, on behalf of Lakeview XXXX XXXX ) has treated me as if I am not a borrower : I did not receive required Notices of Default, Intent to Accelerate, or other certified foreclosure notices addressed to me. 
A foreclosure / debt-collection letter from XXXXXXXX XXXX XXXXXXXX XXXX XXXX. was addressed only to my husband. 
I was not included on loss-mitigation communications ( including incomplete application notices and decisions ). 
A second loan / partial claim of approximately {$36000.00} {$40000.00} appears on our account, but I never signed any note, partial claim documents, or subordinate deed of trust for this lien, and I have never been provided copies.

We had requested payment deferral / hardship assistance, but instead of properly evaluating us, the servicers claimed our applications were incomplete while still creating a second loan that I never agreed to. 

My husband already has a CFPB complaint about this same loan. This complaint is from me personally, as a co-borrower who has been ignored in the process and not properly noticed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I am writing to formally dispute and report an account that was fraudulently opened in my name with PNC Bank. I did not open or authorize this account, nor did I give anyone permission to use my personal information. 

Despite notifying PNC of the fraud, I have been told that the account can not be closed. This is unacceptable. As the victim of identity theft, I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act. 

I have filed a complaint with FTC Identity Theft Report ( from IdentityTheft.gov ) and all 3 credit bureaus. 1 st notified PNC on XX/XX/year> and again on XX/XX/year> in person with my passport and real California ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America placed an excessive and unjustified hold on a check I deposited, even after the issuing company ( XXXX XXXX ) verified the check and confirmed the funds were available. 

I contacted Bank of America and informed them that the check was verified directly with the issuer. Despite this, the bank continues to withhold the funds and refuses to release them. 

This hold appears to exceed what is reasonable or permissible under Regulation CC regarding funds availability. The bank has provided no valid explanation for continuing to hold verified funds. 

This situation is causing financial harm and is preventing me from accessing money that is rightfully mine. I am requesting an immediate review of Bank of Americas hold decision and the prompt release of all funds associated with this deposit.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax received my dispute and confirmed delivery on XX/XX/year>. 
Then Equifax requested additional documents to verify my identity, which I sent and were delivered on XX/XX/year> ( USPS proof provided ). 

Under FCRA 611, after identity verification the CRA must conduct a reasonable investigation. However, Equifax ignored my dispute after receiving my identity documents and sent only a generic boilerplate response claiming that inquiries are a factual record without providing ANY documentation showing permissible purpose under FCRA 604 ( such as signed authorization, electronic consent, IP logs, session records, etc. ).

Equifax failed to : conduct a reasonable investigation ( 611 ( a ) ( 1 ) ( A ) ) follow required timelines ( 611 ( a ) ( 1 ) ( B ) ) provide investigation results ( 611 ( a ) ( 6 ) ) prove permissible purpose ( 604 ) The dispute was improperly closed and remains unresolved.

Company response to consumer: Closed with explanation