vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
XXXX a XXXX XXXX  payment was sent to Capital One to be deposited into a checking acct in the amount of XXXX. This was a first time deposit from XXXX XXXX  to Capital one and, unfortunately the were XXXX numbers transposed in the acct number some where during the process, I reached out the XXXX XXXX  customer service to stated they never received the money. When contacting XXXX  XXXX that stated that they had a trace number from the XXXX  XXXX # XXXX showing that the payment had been received and processed by Capital One. I then reached out and gave the trace number to Capital One and again asked that they return the money to XXXX XXXX XXXXor proper dispersment. I have contacted Capital one numerous times in the last XXXX weeks to no help. every time they give me a run around will never let me talk to anyone in upper management, they are now stating they need a " letter of XXXX '' from the XXXX XXXX XXXX XXXX XXXX told me that Capital One does not need this letter and I should call them again and ask that the deposit by returned and again give them the trace number which I did on XX/XX/XXXX. Capital One then told me again they will not release the funds to XXXX XXXX with out this letter. I feel like I am just hitting walls with Capital One and have bills that are over due considering we live on our XXXX XXXX 
Any help you could provide would be very much appreciated we are starting to feel like we will never get our XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
I am writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my Experian consumer credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Act ( CFPA ), and citing direct violations confirmed by the CFPBs XX/XX/XXXX lawsuit against { CREDIT BUREAU } * * I am a victim of malpractice and broken laws based on the XX/XX/XXXX lawsuit against { CREDIT BUREAU } }. * * And Im also filling this complaint due to Experians repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, Experian has failed to meet its obligations under : - 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation - 15 U.S.C. 1681i ( a ) ( 2 ) Failure to forward all submitted documentation to furnishers - 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy - 15 U.S.C. 1681c-2 Failure to block fraudulent accounts upon identity theft report - 18 U.S.C. 1028 Identity Theft and Assumption Deterrence Act - FACTA Fair and Accurate Credit Transactions Act of 2003 - Metro 2 Compliance Standards Personal Information Inaccuracies Experian continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or Experians data mishandling. 
Accounts Reported in Violation of Federal Law LIST ACCOUNTS HERE : { Account Balance Date Opened Type Violations XXXX XXXXXXXX XXXX {$40000.00} XX/XX/XXXX Auto Loan Reinserted without notice ( FCRA 1681i ( a ) ( 5 ) ( B ) ), Failure to investigate identity theft ( FCRA 1681c-2 ), Metro 2 violation, Failure to conduct reasonable reinvestigation ( FCRA 1681i ), Failure to maintain accuracy ( FCRA 1681e ( b ) ) Accounts reinserted without MOV or consumer notice, Metro 2 violations ( codes XX/XX/XXXX ), FCRA 1681c-2 and 1681i ( a ) ( 2 ) violations Pattern of Misconduct { CREDIT BUREAU NAME } Lawsuit Reference This is not isolated. The CFPB filed suit against XXXX CREDIT BUREAU NAME } in XX/XX/XXXX ( Case XXXX ) for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims the very same conduct Im reporting here. I am directly experiencing the same violations as outlined in that case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
I am writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my Experian consumer credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Act ( CFPA ), and citing direct violations confirmed by the CFPBs XX/XX/XXXX lawsuit against { CREDIT BUREAU } * * I am a victim of malpractice and broken laws based on the XX/XX/XXXX lawsuit against { CREDIT BUREAU } }. * * And Im also filling this complaint due to Experians repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, Experian has failed to meet its obligations under : - 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation - 15 U.S.C. 1681i ( a ) ( 2 ) Failure to forward all submitted documentation to furnishers - 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy - 15 U.S.C. 1681c-2 Failure to block fraudulent accounts upon identity theft report - 18 U.S.C. 1028 Identity Theft and Assumption Deterrence Act - FACTA Fair and Accurate Credit Transactions Act of 2003 - Metro 2 Compliance Standards Personal Information Inaccuracies Experian continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or Experians data mishandling. 
Accounts Reported in Violation of Federal Law LIST ACCOUNTS HERE : { Account Balance Date Opened Type Violations XXXX XXXXXXXX XXXX {$40000.00} XX/XX/XXXX Auto Loan Reinserted without notice ( FCRA 1681i ( a ) ( 5 ) ( B ) ), Failure to investigate identity theft ( FCRA 1681c-2 ), Metro 2 violation, Failure to conduct reasonable reinvestigation ( FCRA 1681i ), Failure to maintain accuracy ( FCRA 1681e ( b ) ) Accounts reinserted without MOV or consumer notice, Metro 2 violations ( codes XX/XX/XXXX ), FCRA 1681c-2 and 1681i ( a ) ( 2 ) violations Pattern of Misconduct { CREDIT BUREAU NAME } Lawsuit Reference This is not isolated. The CFPB filed suit against XXXX CREDIT BUREAU NAME } in XX/XX/XXXX ( Case XXXX ) for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims the very same conduct Im reporting here. I am directly experiencing the same violations as outlined in that case

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 2025-08-06 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
i noticed hard inquiries unauthorized on my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
i noticed hard inquiries unauthorized on my credit reports

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 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CO

Complaint narrative:
On XX/XX/year> my sponsored XXXX  account via Cashapp attempted to send me {$110.00} as usual for their monthly payment. That payment was blocked, for no discernible reason as it had processed successfully for months prior. After that, the debit card attached to the account also stopped working. I attempted to reach resolution via their support chat XX/XX/XXXX, being told I was being escalated to their customer support team. I reached out again XX/XX/XXXX after hearing nothing back with the same result. I called the support line XX/XX/XXXX, also being told the escalation line. I called and used chat today because the direct deposit attached to that account did post but did not do the automatic transfer to the savings account. The call center representative couldnt access the account. The chat center representative again claimed that the escalation department would contact us. At this point, there is {$2300.00} we have XXXX way to access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  - {$640.00} XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX {$670.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$500.00XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$170.00} XXXX XXXX  Charge-offs showing different status across bureaus XXXX Delinquency and payment status differ across reports XXXXXXXX XXXX Multiple charge-off dates and balances XXXX XXXX Listed on XXXX only XXXX XXXX Resolved but not updated across all reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX. The information listed below, which appears on my credit report, is the result of that XXXX, and would like for all listed accounts to be blocked and deleted : 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 explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm writing to formally oppose the following illegal queries on Transunion my credit report. These queries were not started or approved by me, and I am demanding a complete inquiry and the removal of each item as mandated by the Fair Credit Reporting Act ( FCRA ). The following inquiries are being reported and are disputed as unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These inquiries were not initiated or authorized by me, and I am requesting their removal pending verification. Considering I did not approve or initiate these queries, they XXXX violate my consumer rights. Please erase this off my credit file and give written confirmation once the removal is complete. If you require any further documents or information to finish your inquiry, please contact me personally. Thank you for your rapid response to this situation.

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 2025-08-06 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: TX

Complaint narrative:
XXXX XXXX XXXX have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated XXXX XXXX Code XXXX ( XXXX ) and this leads to an alleged identity theft, which is a violation of XXXX XXXX Code XXXX. These accounts are not related to any transactions made by me, the 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 explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the XXXX XXXX XXXX, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX  : acct XXXX XXXX XXXX XXXX XXXX Section XXXX states : I have the right to privacy. 
XXXX XXXX XXXX Section XXXX XXXX states : A consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX XXXX states : No consumer reporting agency XXXX make any consumer report containing any of the following items of information : Any adverse items of information other than records of crimes which antedates the report by more than XXXX  years. 
XXXX XXXX XXXX XXXX XXXX states : A person shall not furnish any information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
I am writing to you as the holder of account number XXXX for my auto loan to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S code 1666b and other relevant sections of the Fair Credit Reporting ACT ( FCRA ) .Additionally, the FCRA , specifically sections 15 U.S. Code 1681i and 15 U.S Code 1681s-2.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report.

Below are the details of the affected payments : XX/XX/year> XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
I am writing to you as the holder of account number XXXX for my auto loan to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S code 1666b and other relevant sections of the Fair Credit Reporting ACT ( FCRA ) .Additionally, the FCRA , specifically sections 15 U.S. Code 1681i and 15 U.S Code 1681s-2.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report.

Below are the details of the affected payments : XX/XX/year> XX/XX/year>

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 2025-08-06 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

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 2025-08-06 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: TX

Complaint narrative:
I believe I am the victim of fraudulent activity, as I have no involvement with these accounts. Please investigate and remove them from my record. Evidence has been attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: MA

Complaint narrative:
I am filing a complaint against XXXX XXXX due to an unexplained and unfair account termination. 
In XX/XX/year>, XXXX suspended my account for XXXX  days after I clarified employment details and submitted requested documents. I was told the account was suspendednot closedand followed all instructions. 

On XX/XX/year>, I received a message stating my account was permanently terminated with no option for reinstatement. No specific reason was given, and I was not informed that any permanent action would be taken. 

I never submitted a new loan application after the suspension. I proactively contacted Prosper to ensure compliance and avoid issues. Their vague messaging and inconsistency are unacceptable and XXXX harm my credit. 

I am seeking : A clear explanation for the termination XXXX this will not damage my credit Reinstatement of my account or access to appeal Prosper has not provided any resolution despite my outreach.

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 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Late payment entries appear on my report that I believe are inaccurate Under XXXX XXXX XXXX ( XX/XX/XXXX) and XXXX XXXX XXXX my report is required to contain only information that is accurate complete and verifiable I am requesting that these late payment entries be verified and if they can not be confirmed they should be corrected or removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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 checked my credit report and noticed multiple accounts that do not belong to me and are damaging to my profile to move forward.

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 2025-08-06 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:
I have recently checked my credit report and noticed multiple accounts that do not belong to me and are damaging to my profile to move forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Late payment entries appear on my report that I believe are inaccurate Under XXXX XXXX XXXX ( XXXX  ) and XXXX XXXX XXXX my report is required to contain only information that is accurate complete and verifiable I am requesting that these late payment entries be verified and if they can not be confirmed they should be corrected or removed

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