vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my Equifax credit report and found an inaccurate collection account reported by XXXX XXXX for XXXX XXXX ( # XXXX ). 

This account was opened on XX/XX/year> for {$60.00}, and is being reported by Equifax as Collection Unpaid. However, TransUnion lists the same account as Open Account Disputed by Consumer, and Experian does not report this account at all, indicating a lack of consistent and verifiable information. 

I never received a valid debt validation notice from XXXX XXXX as required by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( a ), and the collection was reported without proper verification.

This violates both the FDCPA and the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) requiring accuracy of all reported data.

15 U.S.C. 1681i ( a ) requiring reinvestigation when disputed.

15 U.S.C. 1681s-2 ( a ) ( 3 ) prohibiting reporting of unverified or inaccurate data.

I have disputed this with TransUnion, and they marked it as Account information disputed by consumer, confirming the account is under review and not verified.

Therefore, Equifaxs reporting of this account as Collection Unpaid is inaccurate, incomplete, and unverified.

I am requesting immediate reinvestigation and deletion unless XXXX XXXX provides full proof of the alleged debt, including the original signed agreement and itemized validation from XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Hi, I opened a Capital One business checking account and deposited a check for {$33000.00} from XXXX XXXX  on XX/XX/year>. More than two months have passed, and the funds are still unavailable. 

I have contacted Capital One numerous times by phone and have also gone to the branch multiple times, as instructed by their representatives. Each visit and call has wasted my time and produced no resolution. 

During my earlier calls and branch visits, I was repeatedly told that the investigator doesnt answer his phone, and that they could not reach the person or department responsible for reviewing my deposit. No one has provided a valid reason or timeline for when the funds will be released.

I have not received any written explanation or notice of a hold beyond the initial deposit confirmation. The continued lack of communication and the excessive delay are unacceptable and have caused harm to my business operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: MN

Complaint narrative:
On XX/XX/year>, I send Experian and TransUnion a letter that the balance for XXXX XXXX was incorrect on my credit file. They had a limit of {$3500.00} and a high balance of {$3700.00}. They responded by updating the high balance to match the credit limit. If there is indeed a verified bankruptcy why would there be a balance on the 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 explanation
Consumer complaint received 2025-10-12 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: Klarna AB
State: IA

Complaint narrative:
On XX/XX/year>, I attempted to book a hotel room using Klarna for {$44.00}. The transaction was denied, but Klarna still placed an authorization hold for the full amount on my debit card. This hold removed the funds from my available balance, even though the payment was never completed. 

Klarna did not disclose anywhere before checkout that they would hold my money for 24 hours after a failed transaction. I contacted Klarna customer support immediately after noticing the charge, and the representative confirmed they will hold my money for 24 hours ( and possibly longer ) before releasing it. I also contacted my bank, but they said they can not remove the hold because Klarna must release it.

This situation has caused a serious hardship. I am a single parent with two children and was attempting to use those funds to secure a hotel room for the night. Because Klarna is holding my money without warning or any way to reverse it, I have been left without housing for myself and my children for the night.

I believe Klarnas lack of clear disclosure and refusal to release held funds for a denied transaction is unfair and deceptive. I am requesting that Klarna immediately release the {$44.00} authorization hold and that their disclosure practices be reviewed and corrected to prevent this from happening to other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: TX

Complaint narrative:
Experian/ XXXX XXXX XXXX are infringing on my rights to a verifiable investigation. Experian has done no due diligence and refused to disclose their methods of verification regarding a wrong collection from XXXX XXXX XXXX. It has hurt my ability to receive credit and my way of life. I initiated a dispute due to the city of XXXX XXXX condemning the apartments in question due to dilapidation ( mold, rodents, numerous fire code and building violations ) and releasing tenants from their leases without penalty due to unsafe living conditions. I provided proof, numerous news articles etc. corroborating the story and it came back as verified. XXXX is impossible to get a hold of, with no mailing address that Ive found and Experian has consistently been on the wrong side of the law as it pertains to consumers rights.

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 2025-10-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: MoneyLion Inc.
State: AR

Complaint narrative:
Or on Saturday, XX/XX/XXXX I went on MoneyLion in in hopes of getting a loan and was approved for a {$1000.00} credit loan what I did not know was they were going to make me pay for the loan upfront before even receiving the loan I was told that I can get partial or some of it if I were to pay for it within doing so I get approved and I am told that I will have to pay {$41.00} on XX/XX/XXXX of 2025 I immediately try to cancel because that is not what I thought in mind and was told that it would be looked at within a couple hours after going through not what I thought loan process I go to bed and wake up again to a notification for money line telling me to add funds to my account and I go on there and see that an credit builder loan. I have a loan of XXXX and I know I never received that money, which is why Im confused as to why they want an investigation when I told them straightforward that I want to cancel the loan instead they want to wait and give me an investigation up until I have to pay that loan and theyre trying to scam me into paying and Im not paying

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
One time I needed {$20.00} and I couldnt use my card. That randomly stop my card when they feel like it. They cost me money when Ive used my card for an auction site called what not and then when I needed to use it any other time they would strike it down anywhere else to like they always turn it off and on at their discretion even when I speak, Ive spoken with the fraud people if they call me because they think theres fraud or a pattern of fraud theyll shut my card off and then even after Ive talked to them and theyll still give me problems with my cards. There was a time I had like {$5000.00} and then I went to make like a car payment of XXXX and I couldnt use my card because they denied the car payment which is something it was a reoccurring bill. And theyre just really discriminatory really rude. They say all kinds of rude things at one time I called in about my card and the situation thats happening. I said well were gon na kick you out of the bank anyways youre a problem. The lady said in the back office when she spoke to me, she said youre on the on your last leg. Were gon na kick you out very soon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX {$90.00} XX/XX/XXXX {$95.00} XX/XX/XXXX {$9.00} Each time I paid for a service that I did not receive through cash app and was scammed into sending money to each of these dates and times by misleading tactics for services rendered that I never received and cash app did nothing at all. As a matter of fact in the last 7 to 10 years of using cash app they have never helped me retrieve funds for any unauthorized transactions nor anytime I have been scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate details. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a credit report that is accurate and verifiable. I am requesting an investigation into these accounts, and if verification can not be provided, they must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 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 recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately Account Number : XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX Account Number : XXXX  XXXX Account Number : XXXX XXXXXXXX Account Number : XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AL

Complaint narrative:
I previously disputed and removed the accounts in question from my XXXX  profile and discovered that these accounts are the same with different account numbers! Not to mention the illegal reporting of my info.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I requested in the Capital One Mobile app an internal transfer to payment my Capital One Quicksilver credit card with my Capital One savings account. I realized I made it for the wrong amount XXXX vs XXXX after it was paid. I called after I realized on the same day. I had not had even 24 hours to request it be recalled, cancelled, blocked, stopped, whatever. I was told by customer service it was too late after speaking in multiple calls with the credit card team and the banking team and they referred me back and forth to each more than once ( poor service ). Spoke with : XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They said it was too late. How can that be when it is an internal payment through the app and outside of banking business hours. No consumer rights have been applied and no critical thinking to determine a solution to reverse it as it was less than an hour even when I began calling. Was on hold for too long.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: IN

Complaint narrative:
I am writing to formally express my concerns regarding chimes handling of disputes, particularly in the light of recent CFPB Lawsuit, highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was un feasible. The CFPBs findings indicates that chime has not only neglected to protect customers, but also allow repeat offenders to exploit the system, leaving users, vulnerable to scams. This lack of accountability and transparency is unacceptable and raise a serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: PA

Complaint narrative:
I have XXXX bank accounts with chime and bothXX/XX/XXXX cards were used for unauthorized charges and they did not do an investigation and denied my claim despite the fact that I submitted proof my phone was stolen and needed to purchase a new one and that I was out of state from XX/XX/XXXX until end of XXXX in Florida I cludng showing proof of this and security sheets I received about someone trying to access my accounts. Furthermore XXXX has a XXXX liability policy for customers and banks are required to refund money to account in XXXX business days and this was not done I am currently appealing ther decision and was told they will have someone new investigate I do not trust their website XXXX clearly for various reasons stated above - stride bank is the XXXX who issues the card for chime I would like this filed against both banks. I know they didnt investigate because I didnt receive any message on my XXXX account that charges were being disputed like I did before when I disputed the XXXX memberships they were charging me for and the outcome was in my favor

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: NY

Complaint narrative:
Ive had a car loan for my XXXX XXXX XXXX with XXXX XXXX XXXX XXXX since XX/XX/XXXX. {$310.00} is debited directly from my XXXX XXXX checking account on or around the XXXX to the XXXX of every month. I received a XXXX XXXX XXXX Notice from XXXX dated XX/XX/XXXX stating that my payment was over due. I called upon receipt of this notice and was told that my payment wasnt posted due to an error that occurred during their recent system upgrade. During this upgrade account numbers were shortened from XXXX digits to XXXX. Because of this they told me the payment never hit and was reversed. l spoke to XXXX with reference XXXX XXXXXXXX. He stopped the payment authorization to delete the payment and add it back in, showing double payments on XX/XX/XXXX. I spoke to many people to try to straighten this out. They are as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I have explained to each XXXX of them that this a problem on their end as my payments are withdrawn each month. I have never been overdrawn or charged any kind of late fees from them or my bank. Each contact assured me this would be taken off. I filed a dispute to Transunion XXXX times regarding this as they still show me late over XXXX  days in XX/XX/XXXX. Transunion had asked me to get a removal letter from XXXX and they refused, telling me to let the complaint run its course. They will not take it off and as of XX/XX/XXXX they still XXXX answered Transunion regarding the latest dispute filed on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I noticed that XXXX CARD (XX/XX/XXXX ) account ending in XXXX continues reporting my credit card as Other Delinquent even though the account has always been current and has never had any late payments. 

I reviewed my billing statements and payment history, and there are no records of missed or delayed payments at any time. Despite my previous request for correction, this inaccurate delinquency status still appears on my credit reports with Experian, TransUnion, and Equifax. 

This false information is negatively impacting my credit score and does not reflect my true payment behavior. I am requesting that XXXX and the credit bureaus verify this account and correct it to show Paid as Agreed/ Never Late in compliance with 15 U.S.C. XXXX ( a ) ( XXXX ) and XXXX ( b ) of the Fair Credit Reporting Act.

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 2025-10-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Block, Inc.
State: FL

Complaint narrative:
I received unsolicited promotional texts messages on XX/XX/XXXX to XX/XX/XXXX, I would like to submit a claim regarding unsolicited promotional texts messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Complaint : As of XX/XX/XXXX, Equifax, XX/XX/XXXX, andXX/XX/XXXX are inaccurately reporting late payments on my mortgage account for multiple months in XXXX, XXXX XXXX, and XXXX, XXXX, and XX/XX/XXXX. 

According to Fair Credit Reporting Act ( 15 U.S.C. XXXX ( a ) & XXXX ( b ) ), credit reporting agencies and furnishers must ensure the accuracy of reported information and promptly correct or delete any item found to be inaccurate. In addition, under Idaho Mortgage Lending Act late payment reporting guidance, a payment can not legally be reported as late until after XXXXXX/XX/XXXX EST on the last day of the month. 

I have attached official loan transaction histories confirming that all payments during the disputed periods were made before the last day of each month : XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : XXXX [ date ], XXXX [ date ], XXXX [ date ] Equifax is reporting multiple XXXXday late payments for these months, which is inaccurate, unlawful, and damaging to my credit. 

Requested Resolution : Immediate deletion or correction of all inaccurately reported late payments for the above months. 

Written confirmation of the corrections. 

Notification to the furnisher of these updates. 

Compliance with all FCRA requirements. 

If this is not resolved promptly, I will pursue further legal remedies under 15 U.S.C. XXXX and XXXX. 

Attachments : Loan Payment History ( XXXX, XXXX, XXXX ) Equifax Credit Report ( disputed late payments highlighted ) Idaho Late Payment Reporting Guidance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Complaint : As of XX/XX/XXXX, XX/XX/XXXX, Transunion, and XX/XX/XXXX are inaccurately reporting late payments on my mortgage account for multiple months in XXXX, XXXX XXXX, and XXXX, XXXX, and XX/XX/XXXX. 

According to Fair Credit Reporting Act ( 15 U.S.C. XXXX ( a ) & XXXX ( b ) ), credit reporting agencies and furnishers must ensure the accuracy of reported information and promptly correct or delete any item found to be inaccurate. In addition, under Idaho Mortgage Lending Act late payment reporting guidance, a payment can not legally be reported as late until after XXXXXX/XX/XXXX EST on the last day of the month. 

I have attached official loan transaction histories confirming that all payments during the disputed periods were made before the last day of each month : XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : XXXX [ date ], XXXX [ date ], XXXX [ date ]XX/XX/XXXX is reporting multiple XXXXday late payments for these months, which is inaccurate, unlawful, and damaging to my credit. 

Requested Resolution : Immediate deletion or correction of all inaccurately reported late payments for the above months. 

Written confirmation of the corrections. 

Notification to the furnisher of these updates. 

Compliance with all FCRA requirements. 

If this is not resolved promptly, I will pursue further legal remedies under 15 U.S.C. XXXX and XXXX. 

Attachments : Loan Payment History ( XXXX, XXXX, XXXX ) XX/XX/XXXX Credit Report ( disputed late payments highlighted ) Idaho Late Payment Reporting Guidance

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