vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-18 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:
This complaint serves as my XXXX and final dispute and demand for permanent removal of the following account that continues to be reported inaccurately and unlawfully : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Balance : {$0.00} This reporting remains inconsistent and noncompliant with the standards required under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ], and FCRA 605B [ 15 U.S.C. 1681c-2 ]. 
This account reflects a {$0.00} balance, meaning no active obligation or collectible debt exists. Reporting this as Charged Off without verifying the validity through proper documentation including the absence of a 1099-C form to substantiate cancellation of debt constitutes misleading and incomplete reporting under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires all information furnished to consumer reporting agencies to be accurate and verifiable. 
I have made multiple prior disputes requesting full reinvestigation, yet no conclusive or verified evidence has been produced. Therefore, this account must be permanently deleted from my credit file. This is not a request for correction, nor do I consent to any modification or reclassification of this account. The continued reporting of this tradeline in any derogatory status is an ongoing violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: TX

Complaint narrative:
I did not receive debt validation from original creditor XXXX XXXX XXXX. This debt seemed to be sold to a third party debt collector, therefore I need a debt validation letter from the original debt collector IQ is not the original debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
10 unathorized withdrawls were made on my account XX/XX/year> at XXXX. I never received any notice until my balance was {$17.00}. I have tried with Chase XXXX Department and they just keep dexlining and closing the case with just It was withdrawn with your information they asked for police report or proof that it wasnt me I tell them to check their cameras. They said Police has to it Everything they ask I give them ans they keep closing my case They just say Sorry u used XXXX XXXX. I did not I am a victim of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-18 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: AL

Complaint narrative:
I am submitting my fourth formal dispute regarding multiple unresolved and inaccurate items appearing on my credit report. Despite my previous submissions, I have determined that several reported issues remain unresolved, inaccurately reported, or unverifiable. These ongoing discrepancies continue to misrepresent my true credit history and create a misleading portrayal of my financial reliability.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am demanding a comprehensive reinvestigation of each disputed item listed below. It is your legal responsibility to ensure that all reported information is accurate, complete, and verifiable, or it must be corrected or removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ava Finance, Inc
State: FL

Complaint narrative:
I opened this account to build credit and later tried to negotiate payments after receiving a new card, but the creditor refused to assist or update my record accurately. The reporting does not reflect my efforts to resolve the balance and may violate FCRA 1681s-2 ( a ) & ( b ) for furnishing incomplete or inaccurate information. Please reinvestigate and correct or remove this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: VA

Complaint narrative:
FRAUDULENT AMOUNT FROM XXXX XXXX XXXX OF {$6500.00} SHOWING ON CREDIT REPORTS THAT IS NOT SUPPOSED TO BE THERE.

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 2025-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Company Name : TD Bank , N.A . 
Issue Type : Closing account / Promotional bonus dispute I previously filed a complaint with CFPB regarding a TD Bank checking account I opened online on XX/XX/year>, to receive a {$200.00} promotional bonus. That complaint ( CFPB Case # XXXX ) was closed on XX/XX/year>. 
TD Banks response stated that my account was closed because I was ineligible for the bonus due to a prior account within the last 12 months, yet my account was closed for having a zero balance before I had a fair opportunity to fund it. These explanations conflict. I had called TD before opening the account to confirm eligibility, and the representative said no prior checking account was found under my name. 
If TD truly believed I had an active or recent account, they would not have closed this new account due to bonus ineligibilityno bank would do that. This suggests TDs response was made without proper review and understanding of bank procedures.

I acted in good faith and request that CFPB : 1. Ask TD to reinvestigate this matter with a more experienced representative.

2. Provide proof of any prior accounts closure date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: CA

Complaint narrative:
I have held an account with Cashapp for approximately 4 years, in good standing. The other day-XXXX XX/XX/year>, I asked to borrow money from Cashapp, and my account was IMMEDIATELY deactivated. During my appeal, they still found my account in violation of Terms and Services, without telling me what I have violated. I am now unable to get paid for the jobs that I have been doing for the past 4 years, because I no longer have my account. I do not know what to do at this point!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: CA

Complaint narrative:
This is my fourth complaint about Capital One because the harm from their original mistakes continues to unfold. I am now consolidating all prior incidents here, with a clear timeline and resolution request. 

I applied for Capital Ones secured credit card. I was told I was approved multiple times, and each time I sent in the required security deposit. Each time, Capital One reversed the deposit days later without explanation. Then they would re-pull my credit ultimately leaving me with five or more hard inquiries for one product. 

Eventually, I received the secured card. I used it and made a payment toward the balance. Days later, Capital One froze the card without warning and returned my payment not a deposit, but a real payment toward an active balance. That payment reversal caused a false over-limit event on my report a 200 % utilization spike even though I never went over my actual limit. This all happened because I tired to pay off my Capital one credit card with a Capital one checking account and all from the same Capital One app. 

Because of this, Ive been : Denied a XXXX secured card Denied a Capital One auto loan Rejected by other creditors who flagged my credit as unstable due to their reporting Forced to spend over 18 hours disputing errors, submitting complaints, and cleaning up their mess This wasnt a single error it was a breakdown across multiple departments at Capital One : card services, banking, payments, credit reporting. 

Because of the financial instability this caused, I lost opportunities to stabilize my life and career. The constant denials, credit damage, and stress from CapitalOnes mistakes forced me to use PTO to handle disputes and paperwork. That instability contributed to me eventually losing my job. If Id seen even one or two small wins instead of constant setbacks, I believe I would still be employed and advancing. Their system doesnt just hurt credit scores ; it destabilizes peoples lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: TX

Complaint narrative:
Dear TransUnion, I am writing to dispute the following information that appears on my TransUnion consumer report : Dispute 1 Account Number or other information to identify account : Regions bank credit card address XXXX XXXX office XXXX XXXXXXXX XXXX XXXX Source of dispute information : XXXXXXXX XXXX XXXX XXXX Type of disputed information : credit account/tradeline Dates associated with item being disputed : XX/XX/XXXX & XX/XX/XXXX Explanation of item being disputed : XXXX XXXX XXXX XXXX account # o I recently reviewed my credit report and noticed an account that was not reporting accurately. I have two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/XXXX and XX/XX/XXXX. Im now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt. 

Dispute XXXX Account Number or other information to identify account : XXXX XXXX  # Source of dispute information : XXXX Type of disputed information : credit account/tradeline Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : o I recently reviewed my credit report and noticed an account that was not reporting accurately. I have one late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/XXXX. Im now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt.

I have attached a copy of my report with the accounts in Please conduct a thorough investigation and promptly correct or remove the inaccurate information from my credit file. Please send me the results of your reinvestigations.

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 2025-10-18 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: MicroBilt / PRBC (formerly CL Verify)
State: TX

Complaint narrative:
CFPB Complaint Credit Reporting ( Inaccurate/Unverifiable Information ) Product : Credit reporting Issue : Incorrect information on your report Sub-issue : Information belongs to someone else / cant be verified / failure to investigate Company ( ies ) : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX. 

What happened? ( Narrative ) I am disputing multiple inaccuracies and unverifiable entries on my consumer reports. Over the last several months I sent written disputes ( with identity and address documents ) to the nationwide consumer reporting agencies listed above. My disputes identified specific items and requested correction or deletion under the Fair Credit Reporting Act ( FCRA ). 

Despite receiving my disputes, the agencies did not ( 1 ) reasonably investigate, ( 2 ) provide the method of verification, or ( 3 ) correct or delete items that remain inaccurate, incomplete, or unverifiable. Some items appear to have conflicting data across bureaus ( dates opened/last activity, balances, status comments ), suggesting data quality issues. In at least one instance, a previously removed item appears to have been reinserted without the required furnisher certification or 5-day notice. 

Key problems I reported directly to the CRAs : Cross-bureau inconsistencies ( different dates, balances, status codes for the same tradeline ). 

Unverifiable collections lacking proof of the original creditors ledger, chain-of-assignment, or clear Date of First Delinquency ( DOFD ). 

Hard inquiries where I have no record of authorizing a pull ; I requested the permissible-purpose code and signed authorization and did not receive them. 

Personal-information errors ( name/address/employer variants ) that I asked to be removed per XXXX XXXX XXXX XXXX hygiene. 

Potential improper reinsertion without the 611 ( a ) ( 5 ) ( B ) certification/notice.

Why this matters : These errors are harming my creditworthiness and causing material risk of denial or worse terms. Under FCRA 607 ( b ), 609 ( a ), 611, and ( if applicable ) 605B, the CRAs and furnishers must ensure maximum possible accuracy, conduct reasonable reinvestigations, provide the method of verification upon request, and block identity-theft information where appropriate.

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 2025-10-18 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: PA

Complaint narrative:
My personal information was leaked in a data breach, unfortunately someone was able to open multiple accounts amongst other things using my personal information and these accounts are now negatively affecting my credit reports and hindering my financial security.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: PA

Complaint narrative:
My personal information was leaked in a data breach, unfortunately someone was able to open multiple accounts amongst other things using my personal information and these accounts are now negatively affecting my credit reports and hindering my financial security.

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 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear TransUnion, I am writing to dispute the following information that appears on my TransUnion consumer report : Dispute 1 Account Number or other information to identify account : Regions bank credit card address XXXX XXXX office XXXX XXXXXXXX XXXX XXXX Source of dispute information : XXXXXXXX XXXX XXXX XXXX Type of disputed information : credit account/tradeline Dates associated with item being disputed : XX/XX/XXXX & XX/XX/XXXX Explanation of item being disputed : XXXX XXXX XXXX XXXX account # o I recently reviewed my credit report and noticed an account that was not reporting accurately. I have two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/XXXX and XX/XX/XXXX. Im now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt. 

Dispute XXXX Account Number or other information to identify account : XXXX XXXX  # Source of dispute information : XXXX Type of disputed information : credit account/tradeline Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : o I recently reviewed my credit report and noticed an account that was not reporting accurately. I have one late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/XXXX. Im now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt.

I have attached a copy of my report with the accounts in Please conduct a thorough investigation and promptly correct or remove the inaccurate information from my credit file. Please send me the results of your reinvestigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: CO

Complaint narrative:
Cashapp closed my account for " suspicious activity '' that go against terms. They told me I could contest it and tell them why the activity on my acct looked strange, but they never let me do any of that. They just told me they were closing it and I could not open a new one. The " suspicious activity '' they speak of was from a side business i just started selling hands made XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, the FCRA requires that unverifiable or inaccurate information must be corrected or deleted within the legally mandated timeframe. The continued reporting of this late payment is a direct violation of these provisions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
I am filing this complaint because funds I transferred through Venmo were returned by my bank, but Venmo has not credited the money back to my account or provided any resolution after multiple contacts. 

Here are the details : Transaction amount : {$1700.00} Date of original transfer : XX/XX/year> Date bank returned funds : XX/XX/year> Venmo transaction ID : XXXX Bank name : XXXX My bank has provided written proof that the funds were successfully returned to XXXX account on the date above. I have attached that documentation. 

I have contacted Venmo support several times, and even appealed the issue, but they continue to deny responsibility or state they dont know where the funds are. My bank has confirmed that the funds are no longer in their possession and were sent back to Venmo. 

At this point, both Venmo and the bank are deflecting responsibility, and my money has been missing for over two weeks. This appears to be an unresolved ACH reversal or internal reconciliation issue on Venmos end.

Under Regulation E ( Electronic Fund Transfer Act ), Venmo is required to investigate and resolve missing electronic transfers within 10 business days. I am requesting that the Consumer Financial Protection Bureau assist in ensuring Venmo locates and returns my funds promptly. 

Thank you for your help.

Company response to consumer: Closed with explanation