vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint specifically regarding TransUnions continued failure to correct fraudulent accounts on my credit report. In response to a prior CFPB complaint, TransUnion stated that they required clarification regarding the dispute, claiming that they needed the name of the specific items being disputed and the reason for the dispute. This assertion is inaccurate. I have clearly identified each disputed account and the reason for each dispute multiple times in prior written dispute letters, phone calls, and CFPB submissions. For clarity, the accounts I am disputing are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of the above accounts are being disputed because they were not opened, authorized, or used by me and resulted from identity theft. For over a year, I have repeatedly demanded that TransUnion investigate and remove these fraudulent accounts. I have never opened, authorized, or benefited from any of the disputed accounts, and the activity occurred during a period when I was living outside the United States, making it impossible for me to have applied for them. Since TransUnions prior response, I have filed an official Identity Theft Report with the Federal Trade Commission. FTC Identity Theft Report Reference Number : XXXX Under the Fair Credit Reporting Act, including 15 U.S.C. 1681c-2, TransUnion is required to block information resulting from identity theft upon receipt of an FTC Identity Theft Report. Additionally, under 15 U.S.C. 1681i and 1681e ( b ), TransUnion is required to conduct reasonable reinvestigations and ensure maximum possible accuracy of consumer reports. Requesting repeated clarification after receiving clear disputes and an FTC Identity Theft Report does not satisfy these legal obligations. Despite my repeated disputes and the existence of an FTC Identity Theft Report, TransUnion has not blocked or removed the fraudulent accounts, nor provided documentation showing that I authorized them. The continued reporting of this information is inaccurate, unlawful, and harmful. These unresolved fraudulent accounts have prevented me from accessing credit and have directly interfered with my ability to operate and grow my business. I am requesting CFPB assistance to require TransUnion to comply with federal law by blocking and deleting all identity-theft-related accounts from my credit report and correcting my credit file accordingly.

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 2026-02-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One changed the lounge access policy for the XXXX XXXX card, stating that authorized users ( additional cardholders ) would no longer receive complimentary lounge access but could retain access by paying a {$120.00} annual lounge access fee per additional cardholder. My wife is an authorized user on my XXXX XXXX account. Under the new policy, we attempted to purchase the {$120.00} lounge access add-on so she could retain access. However, Capital One requires an online account setup that mandates a Social Security number ( SSN ). My wife does not have an SSN ; she has a XXXX XXXXXXXX. Because of this SSN-only requirement in their online system, she is unable to access the portal necessary to purchase the lounge access add-on. As a result, although Capital One advertised that authorized users could retain lounge access by paying the annual fee, they have made it effectively impossible for certain authorized users ( those without SSNs ) to purchase this benefit. This appears to be an unfair and deceptive practice : Capital One represented that paid lounge access would be available to additional cardholders, yet their system blocks enrollment for individuals without SSNs and does not provide a workable alternative enrollment method.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 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:
I have made a complaint about an old collection account that keeps appearing on my credit and I am sharing the updated message with the credit reporting agency Experian and transunion and XXXX The old account is XXXX XXXX XXXX Account number is XXXX I am demanding this account be deleted from my credit profile permanently I have proven my claim I dont owe this debt And XXXX XXXX agreed to delete this trade line off my credit report They have been found in violation for coming after me for a debt that has been voided and if this collection remains on my report I wish to seek legal counsel for I the consumer deserves an accurate credit report I use my credit to sustain my yearly living. I am a aware Experian or transunion didnt verify this debt before allowing it to be posted on my credit report I am very upset at there decisions and according to the fcra ( 15 U.S.C . 1681 ) promotes the accuracy, fairness, and privacy of consumer information by requiring credit reporting agencies ( CRAs ) to maintain reasonable procedures, ensuring maximum possible accuracy. The credit reporting agency failed me and they didnt ensure possible accuracy because if they did they would of knew that this debt was re aged and there isnt a valid contract For them to collect on my credit has been damaged and I am not accepting this outcome the FCRA includes a private right of action. That means that the law allows consumers to file a civil lawsuit against any party that violated their rights under the law. They do not have to wait for a regulator to take 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 2026-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Tennessee Credit Management, Inc
State: AL

Complaint narrative:
Improper Debt Collection Reporting Without Notice Deletion Required Consumer Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, AL XXXX Date : XX/XX/year> TCM of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I am filing this complaint regarding a debt collector that reported an alleged debt to the consumer reporting agencies without ever providing me the legally required notice or an opportunity to dispute the debt. I never received any initial communication, validation notice, or written notice of this alleged debt prior to it being reported on my credit report. Because no notice was provided, I was denied my statutory right to dispute or request validation before adverse credit reporting occurred. On XX/XX/year>, I contacted the debt collector for the first time after discovering the account on my credit report. As of the date of this complaint, the debt collector has not responded. Regardless, any post-reporting communication can not cure the violation, as the law requires notice before reporting. By reporting this account without first providing notice, the debt collector committed violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), including but not limited to : FDCPA 809 ( a ) ( 15 U.S.C. 1692g ( a ) ) Failure to provide required written notice of the debt and dispute rights FDCPA 809 ( b ) Reporting an alleged debt without allowing a dispute period FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information without a reasonable basis to believe it is accurate FCRA 623 ( a ) ( 2 ) Furnishing information that is incomplete and misleading Because the required notice was never provided prior to reporting, this account was placed on my credit report unlawfully. There is no permissible correction that can retroactively create compliance with federal law. Accordingly, I am requesting that the CFPB require the debt collector to : 1. Delete the account immediately from all consumer reporting agencies 2. Cease all reporting and collection activity related to this account 3. Provide written confirmation that the account has been permanently deleted If the debt collector can not demonstrate lawful compliance before reporting occurred, continued reporting is improper and must be deleted in full, not corrected. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting this follow-up complaint because all of my prior complaints were closed without resolution, and the fraudulent accounts continue to appear on my credit reports. For over a year, I have repeatedly disputed multiple accounts with all three nationwide credit bureaus. In numerous written letters and phone calls, I clearly explained why each account is being disputed, stated that I am a victim of identity theft, and demanded that the accounts be properly investigated. Despite these efforts, the fraudulent accounts remain on my credit reports. I have never opened, authorized, or benefited from any of the disputed accounts. These accounts did not originate from me in any way. During the time the fraud occurred, I was living outside the United States, making it impossible for me to have applied for or used the accounts in question. Since my prior complaints, I have filed an official Identity Theft Report with the Federal Trade Commission. FTC Identity Theft Report Reference Number : XXXX Under the Fair Credit Reporting Act, including 15 U.S.C. 1681c-2, credit bureaus are required to block information resulting from identity theft upon receipt of an FTC Identity Theft Report. Additionally, under 15 U.S.C. 1681i and 1681e ( b ), the bureaus are required to conduct reasonable reinvestigations and ensure maximum possible accuracy of consumer reports. They have failed to meet these obligations. Despite my repeated disputes and the existence of an FTC Identity Theft Report, the bureaus have not blocked or removed the fraudulent accounts, nor have they provided any documentation showing that I authorized these accounts. Their continued reporting of this information is inaccurate, unverifiable, and unlawful. The presence of these fraudulent accounts has been an ongoing and unfair nuisance, preventing me from accessing credit and harming my ability to operate and grow my business. I am requesting CFPB assistance to require the credit bureaus to comply with federal law by blocking and deleting all identity-theft-related information from my credit records and correcting my credit file accordingly.

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 2026-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: OH

Complaint narrative:
So I have account with XXXX I pay them every month {$200.00} and some change XXXX XXXX I called the store and pay from KeyBank debit card but the Arrons store say they never received the payment so next day I called store again and pay with my XXXX credit card after next day I called KeyBank and dispute the amount while they working on that dispute they provide me provisional credit but in XX/XX/year> they charge my account again and tell me dispute is denied now they Arrons never received the money and bank is keep denied after I provide proof from my credit card company to I already paid that amount

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I am filing a complaint regarding Capital Ones handling of a debit card dispute. I used my Capital One 360 checking debit card for XXXX XXXX transactions totaling {$1300.00} on XX/XX/XXXX. The order was marked delivered, but I never received it. I reported the issue promptly on XX/XX/XXXX and provided all requested documentation. XXXX denied my refund and provided no proof of delivery such as a signature or verified confirmation that I received the order. Capital One has not issued a provisional credit and informed me the investigation may take until XX/XX/XXXX, leaving a large amount withdrawn from my checking account for an extended period. I am requesting that Capital One review the dispute fairly, ensure my documentation is fully considered, and provide a clear explanation of their decision or issue appropriate credit., The dasher asked for my pin before delivery, then took a picture and STOLE, my stuff.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
( Block , inc ) due to inadequate customer service and unfair practices, which violate the XXXX XXXX XXXX XXXX. Specifically XXXX XXXX failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and resolution E. These actions has caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I wanted to discus lowering my interest rate on my loan, but I can't sign on. I tried for a week but no help. when calling they transfer my to technical dept. a robotic says click on forgot password and follow instructions, that don't work XXXX times .Then they just hang upWhen I try change password, it says we're having trouble please try another day.

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 2026-02-23 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: NY

Complaint narrative:
I am filing a formal complaint against PayPal for deceptive and unfair practices. My account was under a 180-day hold that expired on XX/XX/2024. PayPal sent me an official email confirming my funds were available for withdrawal. Despite this, PayPal wrongfully emptied my entire balance in approximately 17 separate transactions without my approval, notice, or valid reason. PayPal confirmed the funds were mine and eligible for withdrawal, then seized all my money. This is a violation of consumer financial protection laws. I demand PayPal immediately return all my funds in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo Bank took {$120.00} from me XX/XX/XXXX. Then I took another {$120.00} for me XX/XX/XXXX which they should not have a disputed something which was taken care of. Why would it take the money from me twice when I went to the bank. They showed me that they took the money twice and they said they couldnt do nothing about that. You can take money two times for me for the same thing. I need 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 explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: MD

Complaint narrative:
I filed my taxes XX/XX/XXXX got approved XX/XX/XXXX got accepted XX/XX/XXXX. I opt in for a 5 day early deposit with credit karma and the irs have lifted path and released my refund but CREDIT KARMA BANK still refused to release the funds my funds was supoose to be deposit XX/XX/XXXX here it is the day of and my funds have yet to be released. I paid credit karma fee to opt into the 5 days early pay but the company have not uphold the end of their policy

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this follow-up complaint because all of my prior complaints were closed without resolution, and the fraudulent accounts continue to appear on my credit reports. For over a year, I have repeatedly disputed multiple accounts with all three nationwide credit bureaus. In numerous written letters and phone calls, I clearly explained why each account is being disputed, stated that I am a victim of identity theft, and demanded that the accounts be properly investigated. Despite these efforts, the fraudulent accounts remain on my credit reports. I have never opened, authorized, or benefited from any of the disputed accounts. These accounts did not originate from me in any way. During the time the fraud occurred, I was living outside the United States, making it impossible for me to have applied for or used the accounts in question. Since my prior complaints, I have filed an official Identity Theft Report with the Federal Trade Commission. FTC Identity Theft Report Reference Number : XXXX Under the Fair Credit Reporting Act, including 15 U.S.C. 1681c-2, credit bureaus are required to block information resulting from identity theft upon receipt of an FTC Identity Theft Report. Additionally, under 15 U.S.C. 1681i and 1681e ( b ), the bureaus are required to conduct reasonable reinvestigations and ensure maximum possible accuracy of consumer reports. They have failed to meet these obligations. Despite my repeated disputes and the existence of an FTC Identity Theft Report, the bureaus have not blocked or removed the fraudulent accounts, nor have they provided any documentation showing that I authorized these accounts. Their continued reporting of this information is inaccurate, unverifiable, and unlawful. The presence of these fraudulent accounts has been an ongoing and unfair nuisance, preventing me from accessing credit and harming my ability to operate and grow my business. I am requesting CFPB assistance to require the credit bureaus to comply with federal law by blocking and deleting all identity-theft-related information from my credit records and correcting my credit file accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened a checking account with Fifth Third Bank. On or about XX/XX/year>, Fifth Third Bank accessed my credit report in connection with my account. Later, on XX/XX/year>, another inquiry was made. I believe this inquiry and any related negative reporting XXXX be unfair or inaccurate. I respectfully request that Fifth Third Bank review this matter and remove any negative impact associated with this account from my credit report. I am working to improve my credit and request a goodwill adjustment to help correct my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am filing a complaint against Venmo ( PayPal , Inc. ) regarding the permanent closure of my account and the continued holding of my funds. Venmo permanently closed my account after I submitted all requested identity verification documents. Despite complying fully with their requests, my account remains closed and my remaining balance of just over {$500.00} has not been released. I have not been provided with a clear explanation for the closure or a specific timeline for when my funds will be returned. Holding consumer funds without transparency or timely resolution has created financial hardship for my family. I am requesting the immediate release of my remaining balance and a clear written explanation for the account closure. If there is a required holding period, I request written confirmation of the exact date my funds will be returned. I have acted in good faith, provided all requested documentation, and expect timely access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I made several transacitosn which I don't remember very well. For example - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all those mentioned above are commercial banks from XXXX. What about crypto related transaxctions I remember using, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ( Which is still active ). I tried my ebst to protect myself with all possible ways but scammers took it to another level and they steal my money. I Confimr That I used my verificaiton method and all the transaciton vere confirmed by me technically. but they lied to me when it came up to the crypto transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 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: SC

Complaint narrative:
This letter serves as a dispute of the reported late payments and delinquent status that are incorrectly listed on my credit report. Such notations are inaccurate and must be removed, and the account status should be updated to Paid as Agreed.

Company response to consumer: Closed with non-monetary relief