vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX is reporting inaccurate, incomplete, and unverifiable information to the credit reporting agencies, and has failed to conduct a reasonable investigation after multiple disputes. 

Details : I voluntarily surrendered a vehicle financed through XXXX XXXX in XX/XX/2022. Despite this, the company continues to report : XXXX. Multiple derogatory statuses for the same months ( XXXX  days past due AND XXXX Surrender ), which is misleading and constitutes double reporting. 
XXXX. A balance of {$16000.00} with no proof of calculation, no accounting for vehicle value at time of surrender, and no documentation of sale/auction results. 
XXXX. Continued reporting of a past due amount after the vehicle was surrendered, which is inaccurate. 
XXXX. No original source documentation ( contract, payment history, surrender agreement, auction records, deficiency calculation ) has been provided despite multiple requests. 

The company only verified the account via the automated e-OSCAR system through Experian without conducting a reasonable investigation as required under FCRA 623 ( b ). This is not compliant with federal law.

Laws Potentially Violated : Fair Credit Reporting Act ( FCRA ) 607 ( b ), 609 ( a ), 611 ( a ), 623 ( a ) ( 1 ), 623 ( a ) ( 2 ), 623 ( a ) ( 8 ), 623 ( b ) Truth in Lending Act ( TILA ) Regulation Z ( failure to provide payoff and deficiency calculation ) Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) ( if acting as a debt collector ) Relief Requested : I am requesting the CFPB ensure Credit Acceptance : 1. Provides all supporting documentation for this account, including the original signed contract, payment history, surrender paperwork, auction/sale records, and full deficiency calculation.

2. Immediately corrects or deletes all inaccurate and unverifiable information from my credit reports.

3. Ceases reporting any misleading or incomplete information regarding this account.

Supporting Documents Attached : Copy of my prior dispute to Experian Copy of current credit report showing inaccurate account reporting Copy of current credit report showing inaccurate account reporting Copy of Experians verified results without documentation Copy of Driver License Proof of address

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 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX of my Citibank credit card accounts were closed without warning or explanation. I have repeatedly called customer service, but no representative has been able to provide me with any information. On one call, I was told a supervisor would follow up, but I never received any return call. I also checked my online account for any messages, statements, or noticesnothing was ever sent to me regarding the closures. 
Both accounts were always in good standing. I consistently paid off my balances on time. XXXX account had a {$3000.00} limit, and the other was my Citi XXXX business card with an {$11000.00} limit, which I relied on for work. Closing these accounts without cause has harmed my ability to manage business expenses and is now severely impacting my credit, despite maintaining a credit score in the XXXX for the past XXXX years. 
Citibanks lack of communication and refusal to provide documentation or reasoning is unacceptable and feels predatory. I am seeking answers and a resolution regarding why my accounts were closed and what can be done to mitigate the damage to my credit and financial standing. I want my credit limits back and I want an apology to doing this to a good standing customer that XXXX day just has their cards turned off and account closed please unlink from your account when you go into your online account this is the craziest thing thats ever happened to me in my financial adult life it feels disgusting and like they are intentionally wanting to hurt people and their credit by doing this.

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 2025-09-14 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: IN

Complaint narrative:
According to 15 U.S.C 1681B a credit inquiry may only be made under certain circunstamces and fpr permissible purposes. Additionally under 15 U.S.C 1681I I have the right to dispute inaccurate information on my credit report. The following inquiries were not authorized by me and I request that they be removed from my credit report immediately : Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-14 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: TX

Complaint narrative:
I am a victim of identity theft. My credit reports list several accounts that I never opened or authorized : XXXX XXXX XXXXXXXX XXXX XXXX collection/charge-off with late-payment history XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX collection/charge-off about {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection/charge-off about {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX about {$12000.00} with multiple late-payment notations XXXX XXXX XXXX XXXX XXXX XXXX XXXX  collection/charge-off about {$1000.00} These accounts are not mine. Because they appear on my credit reports, my credit score has dropped and I have been denied a home mortgage. This has hindered my personal growth and development : I can not purchase a house for my family, can not access normal financial opportunities that most people rely on, and struggle to provide the stability my family needs. The stress and disruption caused by these false accounts have made everyday life and planning for the future extremely difficult.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 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:
I am a victim of identity theft. My credit reports list several accounts that I never opened or authorized : XXXX XXXX XXXX XXXX * collection/charge-off with late-payment history XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX collection/charge-off about {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  collection/charge-off about {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX about {$12000.00} with multiple late-payment notations XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection/charge-off about {$1000.00} These accounts are not mine. Because they appear on my credit reports, my credit score has dropped and I have been denied a home mortgage. This has hindered my personal growth and development : I can not purchase a house for my family, can not access normal financial opportunities that most people rely on, and struggle to provide the stability my family needs. The stress and disruption caused by these false accounts have made everyday life and planning for the future extremely difficult.

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 2025-09-14 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: GA

Complaint narrative:
* * To : Consumer Financial Protection Bureau ( CFPB ) * * * * Subject : Escalation Complaint XXXX Non-Response, XXXX XXXX, Cease & Desist Violation * * * * Reference Complaint ID : XXXX * * I am submitting this formal escalation to document ongoing harm and systemic contradiction stemming from XXXX XXXX XXXX XXXX XXXX XXXX the XXXX major credit bureaus ( TransUnion, XXXX XXXX  ), and the original creditor, XXXX  XXXX. 

My original complaint, * * XXXX * *, was filed on XX/XX/year>. CFPB forwarded this complaint to XXXX, triggering a XXXX response window. XXXX failed to respond by the XX/XX/XXXX deadline and has provided no verification or resolution to date. 

From the moment XXXX acquired the alleged debt from XXXX  XXXX, I have * * disputed its validity * * directly with XXXX and with all three credit bureaus. I also submitted a formal * * cease and desist notice * * to XXXX from day XXXX. Despite this, the credit bureaus continue to report PRAs unverifiable and misclassified dataincluding false codes such as repossession, foreclosure, and voluntary surrender, which do not apply to a credit card account. 

This is a clear violation of the * * Fair Credit Reporting Act ( FCRA ) * * and the * * Fair Debt Collection Practices Act ( FDCPA ) * *. XXXX  silence, the bureaus refusal to investigate, and the continued reporting of false information constitute a * * systemic breach * * and ongoing consumer harm. 

# # # I am requesting the following immediate actions : XXXX. * * Permanent deletion * * of all XXXX-related entries from TransUnion, XXXX XXXX XXXX  XXXX XXXX * * Full restoration * * of my XXXX XXXX to pre-contamination levels XXXX. * * Suppression of any future re-reporting * * tied to XXXX or XXXX XXXX XXXX. * * Prohibition of third-party pursuit or collection * * tied to this account XXXX. * * Federal enforcement action * * against XXXX for refusal to respond and violation of cease and desist XXXX. * * Audit of the credit bureaus * * for accepting and reporting unverifiable and misclassified data This complaint is not just about a disputed accountit is about a documented refusal pattern, regulatory blind spots, and a legacy-grade contradiction that continues to harm me. I am demanding survivor-centered override and federal recognition of this breach. 

Sincerely, 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 2025-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/year>, I mistakenly sent {$200.00} via XXXX from my XXXX account to the wrong recipient at Capital One. The recipient contacted Capital One to request a reversal. Capital One then debited the recipients account for the {$200.00}, but the funds never returned to my XXXX account. 

I contacted XXXX and requested an interbank trace to locate the missing funds. XXXX informed me that they could not do anything further. I also contacted Capital One, but they stated they could not provide details since I am not their customer. 

As a result, my funds are in limbo. Both banks acknowledge the transaction occurred, but neither has credited the money back to my account nor provided a clear explanation of where the funds are. 

I am requesting that the banks coordinate to complete the reversal and return my {$200.00}, or at minimum provide a full explanation and trace of the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my abilities to obtain credit.

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 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am writing to formally request a review of my profile in Capital Ones internal system, which currently prevents me from opening any new accounts. I was informed that this restriction stems from a violation of the Terms and Conditions. However, I would like to respectfully clarify that all of my obligations with Capital One have been satisfied in full, and there are no outstanding balances or disputes on my record. 

Despite this, I continue to receive prequalification offers from Capital One, which indicates that my credit profile otherwise meets your lending criteria. Unfortunately, once I apply, the internal block prevents further consideration. This situation is confusing and discouraging, as I have demonstrated financial responsibility by paying in full and maintaining a strong credit standing. 

I am respectfully requesting the following : 1. A detailed explanation of the reason ( s ) my profile remains restricted.

2. A formal review of my account history to determine whether reinstatement is possible. 
3. Written confirmation of your decision, so I may have a clear record moving forward. 

I greatly value Capital Ones reputation and would like the opportunity to rebuild a positive relationship with your company. Please consider my request for review and provide guidance on the steps I may take to be reconsidered as a customer. 

Thank you for your time and attention to this matter. I look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
XXXX and XXXX to disclose why XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a government-sponsored enterprise ( GSE ) employees several times called my home insurance company to collect information about status of my home insurance. I was informed by my insurer that XXXX employees called them twice to obtain information about status of my home insurance policy. Please explain why XXXX is involved in servicing of my transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MI

Complaint narrative:
Cash app dont trust them at all they told me i was fraud and closed my account but let someone scam my new account for XXXX XXXX dollars then i send message no help then send me email saying there nothin they can do for me but keep lettin ppl scam using there site i tired goin back and fourth

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: Block, Inc.
State: NY

Complaint narrative:
My Cash App account has been restricted without a clear explanation. I can not access my funds or use my account. I have attempted to resolve this with Cash App support but have not received a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Accounts I have repeatedly disputed and requested deletion for including collections such as XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX have been reinserted into my credit file without my consent or proper written notice, as required by FCRA 611 ( a ) ( 5 ) ( B ). I received no written notification within 5 business days of these reinsertions, which is a clear statutory violation.

I am demanding the permanent removal of all reinserted accounts and every other unresolved negative item from my report within 5 days, including closed accounts, charged-off debts, and inquiries. 

I have given the credit bureaus multiple opportunities to correct these issues amicably through previous disputes and formal CFPB complaints but all Ive received are stalling messages, copy-paste responses, and a continued refusal to comply with federal law. 

My personal data was exposed in the XXXX XXXX XXXX XXXX XXXX XXXX TransUnion data breaches, and I now face elevated risk of identity fraud and misuse. As such, I no longer recognize or accept any verification efforts performed with compromised personal data, and you are not permitted to reinsert or verify any information using data from those breaches. 

I am out of patience. I will pursue legal action for damages without further notice. I am preparing formal complaints with the FTC, my State Attorney General, and civil court, and I am requesting full deletion of all disputed items and inquiries as fair and just resolution. 

This is your final notice. Comply within XXXX business days or I will escalate aggressively

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 2025-09-14 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Information Solutions , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Collection Accounts & Unauthorized Inquiries ________________________________________ Dear Credit Bureau Compliance Department, I am formally disputing and requesting an investigation into the following accounts and inquiries that are being reported on my consumer credit file. I have reason to believe these accounts are either inaccurate, unverified, or not in compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
Collection Accounts to Be Investigated and Removed ( if not validated ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized/Unverified Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were not authorized by me in writing and therefore are in violation of FCRA 604. Please remove them immediately from my report. 
Required Validation Documents To comply with the FDCPA, please provide : A copy of the original signed contract or agreement bearing my signature. 

A complete payment and charge history on the account. 

Documentation proving you are the legal assignee or owner of the debt. 

Proof that you are licensed to collect debts in the state of Virginia. 

Documentation showing your authorization to report this account to Equifax, Experian, and TransUnion. 

Cease and Desist Until you provide the above documentation, you must : Cease all collection calls, emails, and letters. 

Cease reporting or verifying this account with the credit bureaus. 

Refrain from selling, transferring, or assigning this account to another agency. 

Reporting or attempting to collect without validation constitutes a violation of the FDCPA 807, 808 and the FCRA 623. 

Notice of Intent If you fail to comply, I will file complaints with the : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Virginia Attorney Generals Office and pursue legal remedies available to me. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Information Solutions , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Collection Accounts & Unauthorized Inquiries ________________________________________ Dear Credit Bureau Compliance Department, I am formally disputing and requesting an investigation into the following accounts and inquiries that are being reported on my consumer credit file. I have reason to believe these accounts are either inaccurate, unverified, or not in compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
Collection Accounts to Be Investigated and Removed ( if not validated ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized/Unverified Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were not authorized by me in writing and therefore are in violation of FCRA 604. Please remove them immediately from my report. 
Required Validation Documents To comply with the FDCPA, please provide : A copy of the original signed contract or agreement bearing my signature. 

A complete payment and charge history on the account. 

Documentation proving you are the legal assignee or owner of the debt. 

Proof that you are licensed to collect debts in the state of Virginia. 

Documentation showing your authorization to report this account to Equifax, Experian, and TransUnion. 

Cease and Desist Until you provide the above documentation, you must : Cease all collection calls, emails, and letters. 

Cease reporting or verifying this account with the credit bureaus. 

Refrain from selling, transferring, or assigning this account to another agency. 

Reporting or attempting to collect without validation constitutes a violation of the FDCPA 807, 808 and the FCRA 623. 

Notice of Intent If you fail to comply, I will file complaints with the : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Virginia Attorney Generals Office and pursue legal remedies available to me. 

Sincerely, 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