vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
I have maintained continuous auto insurance coverage with XXXX and currently hold an active policy. In XXXX, XXXX rated my policy using an at-fault accident attributed to my daughter. An accident did occur, but she was not at fault. A court later issued documentation correcting the driving record and removing the at-fault determination. 
Between XXXX and XXXX, I contacted XXXX multiple times by phone to dispute the underwriting error and requested an investigation. XXXX later stated there was no record of my calls. Despite notice and supporting court documentation, XXXX refused to investigate or correct the error. 
Because the underwriting error was not investigated, my premiums increased excessively. I attempted to move to another carrier but was advised the issue had to be corrected by XXXX first. XXXX then issued a rewritten policy under a new policy number and reduced the premiums. I reasonably believed the issue had been resolved and continued coverage with XXXX. 
In XX/XX/year>, XXXX left a balance of approximately {$880.00} on the prior policy and placed it into third-party collections with Caine & Weiner XXXX I was not notified that a balance remained, had no access to the alleged account, and had no opportunity to dispute it before it appeared on my credit reports. 
XXXX has refused to issue a correction or collections recall letter and continues furnishing this inaccurate information despite notice. The collection has caused a XXXX point drop in my XXXX credit score and is preventing me from refinancing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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 saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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 file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : DEPT OF EDUCATION 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 XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I sent a payment of {$350.00} through Cash App from my Cash App balance to XXXX XXXX for a service that was never provided. 

After the service was not delivered, I contacted Cash App support to dispute the transaction and provided documentation showing payment was made and that the service was not received. Cash App refused to open or investigate a dispute solely because the payment was sent from my Cash App balance and deferred the decision to the recipient. 

I believe this is unfair and a failure to reasonably investigate a documented case of services not rendered. I am requesting a refund of {$350.00} and a proper review of this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I signed upmfor a chat service I'm a XXXX veteran living in a remote area I thought it would be a good investment to eliminate some potential individuals kind of pre-screening them. But all of the information from the start was not forthcoming initially. It turned out to get contact information the couple needed to earn XXXX credits thorough there system. But the system was cheating by not giving each credit spent. One person said XXXX credits while he had spent like XXXX and so many irregularities on their clock, they have planted actors who use the same words verbatim, they ask for a woman to spend money sending stickers that earn the men money! I found I was charged for items that I did not buy and I was even billed {$40.00} randomly for something that I did not buy. I asked the company XXXX XXXX XXXX my money and they kept using the same fickle and dime psychology as they train men to use, to redirect using polite words bordering XXXX  behavior to convince one that you made a mistake or company rules. All their inventions to scam money!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items.

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am NOT claiming identity theft. I am disputing inaccurate, incomplete, and unverified credit reporting under the Fair Credit Reporting Act ( FCRA ). 

Despite submitting disputes, the following accounts continue to report conflicting information, inconsistent account classifications, inaccurate balances, misleading payment histories, and unresolved dispute notations across consumer reporting agencies : 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 

Several of these accounts are reported as charged off, closed, transferred to recovery, or collection accounts while simultaneously showing ongoing activity, inconsistent dates, or contradictory payment histories. In addition, the furnishers and credit bureaus failed to provide the method of verification or documentation supporting the accuracy of the reporting. 

These actions violate 15 U.S.C. 1681g ( a ) ( 1 ), 1681i ( a ) ( 1 ) ( A ), and 1681i ( a ) ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: UT

Complaint narrative:
I contacted Colombia Debt Collector because they would call me almost daily stating I owe debt to an apartment complex. On XX/XX/year> I called them to settle it. The man on the phone stated the debt was previously sold to XXXX XXXX with a higher amount. The man stated XXXX could pay XXXX XXXX {$400.00} to have the debt removed from my credit as it negatively affected my score. I paid {$370.00} on XX/XX/year> and it was posted to my account on XX/XX/year>. The debt is still on my credit report and affecting it. XXXX XXXX then charged my account another {$99.00} without my knowledge or approval. The Colombia Debt Collector stated the {$370.00} was a XXXX time payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: MO

Complaint narrative:
Although the account was paid in full, it continues to be reported with late payment remarks.

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 2025-12-24 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: PA

Complaint narrative:
I am submitting this third formal dispute regarding multiple inaccuracies currently appearing on my Equifax, TransuUnion and Experian credit report. Despite prior disputes and the supporting documentation I have provided, these items remain inaccurately reported and continue to misrepresent my credit history. The repeated failure to correct these errors has caused substantial frustration and is negatively impacting my financial reputation, creditworthiness, and ability to obtain fair credit. The continued reporting of this inaccurate information is inconsistent with the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 609 ( a ), 611 ( a ), 623 ( a ) ( 2 ), and 605 ( a ), and I am requesting a full reinvestigation, correction, and updating of all inaccurate entries to ensure my credit report reflects accurate, complete, and verifiable information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6900.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXXXX/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 2025-12-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: KEYCORP
State: IL

Complaint narrative:
XXXXKeyBank is charging monthly fees on an inactive government benefits prepaid card issued in 2021. I no longer have the card and have no record of the card number aside from it ending in XXXX  as per their notice to charge a XXXX  dollar monthly fee. I was not informed of these fees when it was first opened, and am unable to close the account without assistance. They have a XXXX  number XXXX XXXX XXXX And I have been given the run around and placed on hold for hours at a time. I have gotten no where, and am unsuccessful in closing this account.'

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-24 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: FL

Complaint narrative:
Can you double-check this record? It appears to be erroneous.

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 2025-12-24 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: NC

Complaint narrative:
The failure to produce verifiable evidence supporting the accuracy and legitimacy of this account, while continuing to report unverified information, constitutes a violation of 15 U.S.C. 1681i, including subsection ( a ) and applicable reinvestigation requirements. Such noncompliance undermines the integrity of the credit reporting system and is both unacceptable and avoidable under federal law. 

Accordingly, I am demanding the immediate deletion of this account unless and until legally sufficient, verifiable documentation is produced to substantiate its validity. Any delay in resolving this dispute only compounds the harm caused by continued reporting of inaccurate or unverified information and further evidences a failure to meet statutory obligations.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint NOT because of identity theft but because EQUIFAX has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA specifically 15 U.S.C. 1681i, regarding the investigation and resolution of disputed inaccuracies on my credit report. I discovered inaccurate and/or unverifiable information on my credit report, including the following accounts : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: NC

Complaint narrative:
XXXX XXXX XXXX Equifax Acct # XXXX XXXX XXXX XXXX XXXX XXXX is furnishing materially inaccurate credit information in violation of the Fair Credit Reporting Act ( FCRA ). 

On my Equifax credit report, XXXX XXXX reports a collection account as an open account and assigns recurring monthly late payment markers across nearly every month. A collection account is a one-time derogatory event and does not carry an ongoing monthly payment obligation. Reporting repeated monthly delinquencies on a collection constitutes unlawful re-aging and materially misrepresents the nature and status of the debt.

The reporting is internally inconsistent and unverifiable. The account lists : Account Type : Open Account while simultaneously labeled Collection Account No defined monthly payment, terms, or status A past due amount equal to the full balance, which is improper for a collection Ongoing monthly late history despite no lawful monthly obligation This conduct violates : 15 U.S.C. 1681s-2 ( a ) ( 1 ) Furnishing inaccurate or misleading information 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681c ( a ) Improper re-aging of derogatory information This inaccurate reporting causes continuous and compounding harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: Experian Information Solutions Inc.
State: WY

Complaint narrative:
Submitted a dispute to experian and it's taken over 30 days and still isn't resolved, for reference XXXX XXXX XXXX  deleted the account from my reports for failing to follow FCRA LAWS AND GUIDELINES. I'm requesting damages in the amount of {$1000.00} usd and Deletion of the account currently in dispute because it is interfering with me getting a loan of a greater amount than XXXX. They are attempting to completely defer to the creditor without actually doing a proper investigation and were sued within the last few years because of this. I am requesting that the CFPB please initiate an investigation again into Experian as to why they won't look into this matter seriously and properly

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 2025-12-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XX/XX/XXXX : Deposit of {$1400.00} into checking account XX/XX/XXXX : Withdrawal of {$1400.00} into savings account XXXX : Purchases that led to an overdraft of - {$620.00} ( after I selected an option to try to prevent my account from being overdrawn in ANY fashion ) XX/XX/XXXX : TRANSFER FROM MY SAVINGS TO MY CHECKINGS in the amount of {$620.00} I have made it clear to the company before my savings is not to be touched, regardless of whether or not my account is overdrawn. I tried to select the option that disallowed overdrafts. It was unclear to me if it went through as the process on the application stalled and told me my selection did not go through. 

My entire savings -- in the amount of {$650.00} -- is now gone because my bank allowed my checking account to be overdrawn when I explicitly tried to disallow this exact phenomenon from happening. 

I called Capital One to address this issue on XX/XX/XXXX and they said they had no solutions for me. I asked them to close both my checking and savings accounts effective immediately, let them know no more money would be deposited from me into Capital One, and that a formal complaint through the CFPB would be filed. They took no action despite the fact I warned them over 5 times I would be forced to file a complaint through the CFPB if this was not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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 have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my credit 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 2025-12-24 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 have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my credit 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 non-monetary relief
Consumer complaint received 2025-12-24 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: PA

Complaint narrative:
I never opened or authorized this account, and it is being reported incorrectly under my name.

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