vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
XX/XX/XXXX and back up until XXXX of XXXX there are numerous numbers in an amounts of how they have vandalized my bank account These people have a cyber stalk my accounts and refuse to pay me on time of sending me threatening messages telling me that they're going to hold my check and not pay me this is coming from a regions Bank telling me that they're going to pay me when they feel like it and are allowing payments to come through my account but they're holding back loading the money that has been sent from my depositor so that they can allow me to accrue fees and then go back and try to make it right but want to give me a hard time working in cahoots with XXXX people who have been attacking my life and these complaints have been reported to the police and the FBI

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 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My debit card was stolen by the time I realized Ive losted my social security payments was taken out from my account and chase bank didnt even tried helping me since am a XXXX XXXX  with XXXX. I went the bank in person and called them too. No one would listed. Is unfair that this happens

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I am writing to formally appeal the permanent limitation placed on my PayPal account and to urgently request a review of my case. My funds are currently being held, and this situation has become critical to my well-being. I have already submitted an appeal through the standard process, including providing all requested identification documents and account information, but I have not received a resolution that reflects the seriousness of my circumstances. 

At this time, the money in my PayPal account is essential for covering basic, life-sustaining needs such as food, transportation, and necessary XXXX. My financial situation is extremely fragile, and these funds are not optional or discretionarythey are directly tied to my health and survival. Being unable to access them places me in an urgent and potentially XXXX position. 

I fully understand and respect PayPals responsibility to maintain security, prevent fraud, and uphold compliance standards. However, I believe the limitation on my account may have been applied in error or without full context. I am more than willing to provide any additional verification, documentation, or clarification needed to demonstrate that my account activity is legitimate and that I am the rightful owner of all funds associated with the account. 

I respectfully ask that my case be escalated for immediate review due to the severe impact this limitation is having on my ability to meet essential living and medical needs. I am not requesting special treatmentonly a fair reassessment based on the information I have already provided and the urgent nature of my current situation. 

Please consider the gravity of this matter and assist me in regaining access to my funds as quickly as possible. I would be grateful for any update, guidance, or next steps you can provide so that I may resolve this issue promptly. 

Thank you for your attention, understanding, and consideration. I hope to hear from you soon regarding a possible resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Credit bureaus repeatedly verifying a loan that is not mine no documentation, no MPN, no identity match FCRA violations Complaint Text : I am filing a new complaint because Experian continues to report a federal student loan that is NOT mine, despite multiple disputes and three previous CFPB complaints. Experian has never produced : A Master Promissory Note A signed loan application Assignment or transfer documents Any identity verification linking me to this loan They continue to verify this item using automated systems instead of performing a legally required human reinvestigation. This violates : FCRA 1681i ( a ) ( 1 ) failure to reinvestigate FCRA 1681i ( a ) ( 4 ) failure to review relevant information FCRA 611 ( a ) ( 6 ) ( B ) failure to provide a Method of Verification FCRA 1681e ( b ) reporting without accuracy FCRA 616/617 willful and negligent noncompliance This is a mixed-file / identity mismatch case. 
I never opened this loan. It does not belong to me. 

I am demanding : A full Method of Verification, including name of verifier documents reviewed date and method of verification whether a human reviewed documents A copy of ANY documents used to verify this account Deletion of the account because no documents exist proving ownership Experian has failed in their legal duty. I request immediate CFPB intervention.

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 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FISERV FINXACT CORE
State: PA

Complaint narrative:
I received a XXXX XXXX card and I did not request opening a credit card. I looked up XXXX XXXX  online, and the number for questions ( XXXX, here XXXX XXXX XXXX ) was not valid. When I call the number on the letter and back of the card ( XXXX ) it requests I enter a pin and the card number. I do not want to do anything to activate the card as I did not request the credit card.

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 2025-12-02 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the 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 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: NY

Complaint narrative:
On XX/XX/year> I saw a credit card offer from XXXX on Credit Karma app which said Outstanding approval odds. I signed up and was redirected to XXXX XXXX website which instantly said approved for {$1000.00} credit they never indicated that it was just a XXXX account with a line of credit not a credit card. I never applied for XXXX. I called the FTC and was redirected to the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is a separate complaint from my Dad 's XXXX My name is XXXX XXXX and XXXX am XXXX XXXX XXXX. 
On XX/XX/XXXX, the people at XXXXXXXX XXXX XXXX XXXX let me sign the contract for a XXXX XXXX XXXX on the computer screen and they. I have attached pictures that show my real signature on the contract. 
I did not know I was not allowed to sign contracts because I am a XXXX They snuck is fees, I did not know. I am telling you now that I disaffirm the whole contract ( my dad says that is the legal word ) because I am under XXXX. 
The dealership already said in writing that they are rescinding the deal and doing a full unwind ( their emails are attached ). My dad accepted that for me. But now they will not take the car back or give the money back. 
I want : The contract to be cancelled because I am a XXXX  The dealership to come get the car from our house ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  FL XXXX ) All the money my family paid ( {$10000.00} ) to be given back Capital One to make the loan {$0.00} and never put anything bad on credit Please help me cancel this contract. I will add my dad 's conversation with the dealership. 

Attachments Dad emailed Capital One CEO Picture of me signing the contract My disaffirmance letter The dealerships rescission emails and mutual agreement with Dad acceptance email from XX/XX/XXXX Dealer threats about fees/repossession

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: AZ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
XXXX XXXX Amount of Debt is {$490.00} and what happened is a Violation of FCRA 611 ( a ) ( 5 ) ( B ) : Illegal Reinsertion Without Certification & Notice According to FCRA 611 ( a ) ( 5 ) ( B ) : A deleted item may not be reinserted into a consumers credit file unless the furnisher certifies the accuracy and completeness of the information. 

The credit bureau must provide the consumer written notice within 5 business days of reinsertion. 

This notice must clearly state that the item has been reinserted and identify the entity providing the certification. 

I did not receive certification evidence or the required reinsertion notice. 
Therefore, the reinsertion of this item is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: IL

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 explanation
Consumer complaint received 2025-12-02 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: IL

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 explanation
Consumer complaint received 2025-12-01 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: CA

Complaint narrative:
I recently checked my Experian report to notice fraudulent accounts reporting. The accounts 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 are fraudulent and need to be removed from my Experian report as they are causing me financial harm. The addresses XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX are also fraudulent and need to be removed. I have attached a copy of my Identification, proof of address, and social security number card to this complaint per the rules of the FCRA.

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 2025-12-01 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: PA

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 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I was an XXXX XXXX in NY and my family send me {$410.00} dollars from XXXX behalf of XXXX XXXX, on XX/XX/year> the expected date for the money arrive would be, XX/XX/XXXX, XXXX with the MTCN : XXXX - XXXX - XXXX. 

However, the XXXX XXXX XXXX say that the money is already in my account but is not. 

My family form XXXX started a complaint to XXXX, and I called more than 2 times with Wells Fargo, and both of them said that they cant do nothing. 

XXXX XXXX is waiting for Wells fargo and opposite, and I have been waiting for 14 days

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 2025-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc.
State: NE

Complaint narrative:
I filed XXXX XXXX bankruptcy in 2023. My mortgage was to still be paid per that agreement and would not be whiped during discharge. I have made all payments but am not getting any credit for them since 2023. I have disputed with all credit agency 's but the investigation is always dropped. They do not update my payment history even though my mortgage is active and payments are current. The company has been disputed over this atleast XXXX times without updating their records to keep my payment history updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: MA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : 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

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