vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: CO

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 non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am filing this complaint because Capital Ones business account system is fatally flawed, as it allows clients to select Business Checking or Business Savings without providing a field to include the company or bank name, which results in ACH requests being sent under my personal name and subsequently being rejected by banks. This error has led to my account being blocked on multiple occasionsonce after submitting Form XXXX and company bank statements to unblock itand has rendered my associated bank accounts unusable, prevented me from using my credit card and redeeming points, and even caused my credit balance and credit score to suffer. Despite confirmation from Capital One that the issue was on their end, they have yet to implement the necessary feature fixes, and similar problems have affected other customers. Most recently, when attempting to make a payment for a XXXX shipment, my account was blocked again ; even after full verification, I was forced to verify previous charges that had not been flagged before, and when I requested escalation, a supervisor threatened not to unlock my account unless I complied with his demands. I urge the CFPB to investigate these recurring, systemic issues within Capital Ones Fraud and Dispute team, as their repeated errors and improper handling of business account ACH transactions have not only caused significant personal financial harm but are likely impacting tens of thousands of other customers in a similarly damaging way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: AL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: MD

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax and Experian credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: VA

Complaint narrative:
PayPal ,

Inc. has by larceny by trick or fraud perpetrated on me. Consequently due to Paypal , Inc. actions, I am requesting appropriate action to be ordered against Paypal , Inc. for their wrongful acts of their unconscionable contract and clogging clauses in their agreement. I'm also requesting that appropriately awarded integrity board review of Paypal , Inc. by virtue of the fraud, fraudulent inducement, or larceny by trick, in an amount of no less than what will be assessed during an appropriate judicial hearing.

Paypal , Inc. has acted in intentional wrongful act, for which proceeding in above-referenced actions is appropriate and hereby rescind any and all endorsements Paypal, Inc. received surrounding their unconscionable contract.

Under the facts and circumstances above-referenced, Paypal, inc. holds in a constructive or resulting trust, or in an actual trust for the benefit of the consumer. Paypal 's failure and refusal to return the deposit constitutes a breach of trust, and a breach of the fiduciary duties owed by Paypal , inc. to the consumer. We request that Paypal , Inc. be held accountable for their wrongful acts and ask that the appropriate channel agencies find appropriate award in favor of the consumer by virtue of the breach of fiduciary duty and trust by the PayPal , Inc. arising by virtue of the constructive or resulting trust. Reimbursement of the account is appropriately ordered and uplifting the account sanction for withdrawing available funds in favor of the consumer as this violates constitutional right by virtue of the facts and circumstances stated herein.

Due to imminent danger of being placed in dire strait by decisions of Paypal , Inc. has directly caused to the consumer, i'm requesting relief against Paypal Inc., for breach of contract from inception of account by their unconscionable contract until paid in full, plus his productivity loss herein ; and the awarded to the consumer favor and against Paypal , inc. for their fraudulent inducement, larceny by trick, and/or fraud in the amount of no less than maximum possible accuracy amount found of their egregious involvement and further order of the regulating administrators determining that the deposits was held in a trust, constructive trust or resulting trust by the Paypal Inc. for the benefit of the consumer, and that the appropriate agency award the consumer reimbursement held in trust, together with interest from inception of his account, until paid, and together by virtue of said breach of trust and fiduciary duty ; and that the regulating administrators grant such other and further relief herein as it may deem just to these circumstances in the consumer favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My Chase Freedom XXXX had special rewards offers where you earn 5 % cash back from purchase of insurance between XX/XX/year> to XX/XX/year>. I made a purchase on XX/XX/year> but they did not honor the 5 % cash back because according to Chase it did not post until XX/XX/year> per a conversation with a Chase representative and their manager on XX/XX/year>. They agreed it should be clearer, but still would not issue the rebate as the offer was written. 

The email with the offer never mentions the purchase has to " post '' or explain the process where a purchase made can be pending for days until posting. They give no indication purchases may not qualify even if they are made before XX/XX/year> depending on how long it takes to " post ''. 

My 5 % rebate would have been {$100.00} but instead I received the standard 1 % for about {$20.00}. I looked at other email offers from my Chase and they I could not find an explanation of possibly not getting a rebate if the purchase does not post within the indicated time, so I am certain this has happened to others as well for more than this offer..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) 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 2025-04-15 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: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: DE

Complaint narrative:
This complaint is a follow-up to a prior submission ( Complaint ID # XXXX ) filed on XX/XX/XXXX. That original complaint remains unanswered by XXXX XXXX, and no resolution or documentation has been provided. 

I previously disputed an unauthorized XXXX XXXX charge card account dated XX/XX/XXXX, reporting a {$0.00} balance and showing no activity. I did not open, use, or authorize this account. Experian verified the tradeline without providing any proof, and XXXX has not responded to my validation request or CFPB complaint. 

This continued failure to address a legitimate FCRA disputecombined with the lack of response to a CFPB complaintis unacceptable. This account remains inaccurately listed on my credit report, harming my profile and violating my consumer 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 2025-04-15 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had late payments on the account that were in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. The account has not been late on payments. I have attached a copy of my report to this complaint on XX/XX/year>. I am now requesting you to investigate and provide verifiable proof with records showing I had late payment. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-04-15 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 not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-15 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: AZ

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-15 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received a {$200.00} AMEX gift card from my company as a gift. I have not been able to find one vendor to spend it. All of my in-person transactions get denied, as well as all of my online transactions. When I called AMEX, they say it is declined because the vendor is not requiring a security code, but they are requiring it and I include it, but it still gets denied. I have tried to spend it in person to ensure the security code is being entered, and it still gets denied. I can't get anyone from AMEX to send me any further information or respond to my requests. I keep trying numerous vendors and am unable to access my balance. I have confirmed online that my {$200.00} is valid, and active until XXXX, and I can see the list of denied charges. The most recent charge attempts were on XX/XX/year>, and I tried a number of times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
Dispute details Dispute XXXX Dispute XXXX Sent to XXXX Submitted XX/XX/year> In review On XX/XX/year> Resolved On XX/XX/year> Need to send XXXX  additional information? 
Heres how to contact them JEFFERSON CAPITAL SYSTEMS LLC Denied

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX at XXXX am I got message from wells fargo bank somewhere my card was used amount was {$3200.00}. But that card was with me in my pocket how it's possible my debit card was used somewhere if card is in my pocket with me .I called to bank I told that was not made by me they took complain after XXXX XXXX  they gave me my money back to my account and after XXXX XXXX  they took my money from account credit reverse .I called to bank why you did reverse credit. They told me my physical card was used at that time when transaction was done but how it's possible i am at my home and my card was in my pocket and somebody did that transaction with physical card it's not possible. I try to convince them but they didn't listen me they told me they can't help I told them to open my case again they told me they can't but how can they took my {$3200.00}. Bank will not responsible for my money what kind of security is this? They gave me merchant address and told me to contact them i called to merchant I told him somebody did transaction of {$3200.00} on XX/XX/XXXX at XXXX am he told me nobody did that transaction contact your bank. I went to that place there is no office of merchant XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX at this address and transaction was done under the name of XXXX XXXX XXXX when I check this address in XXXX it come different name XXXX XXXX XXXX  XXXX XXXX is no any office under this name on that address when I called merchant number this number was registered at XXXX XXXX XXXX  XXXX XXXX which is XXXX XXXX  far from merchant address .what is the way to get my money back .it looks like to get merchant was scam or fraud .help me to get my money back how can I trust wells fargo bank from now why bank is not responsible for my money .I called bank more than XXXX XXXX XXXX XXXXimes they told me that they can't open case they already close it .is this valid answer to find my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief