vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: AZ

Complaint narrative:
on XX/XX/year>, I went to XXXX supercenter in XXXX XXXX Arizona. I had {$34.00} even in my account. I tried to make a purchase of {$13.00} and it said declined on my Cash app card. I tried again it said declined again. I moved to the ATM to pull out {$20.00}. The transaction fee was XXXX dollars or around that and it said declined. When I checked after there was XXXX dollars in my account. I moved over the other XXXX from my savings to go to the car XXXX Then that night, I tried to figure out why my money was missing, didnt figure it out, didnt get no help, forgot about it and then I tried to figure it out again a couple days after, no help. today I remembered, and I tried to figure out whats happening again. The lady I spoke to on the cash app message support acted like there was no money in my account to begin with so I called support. The man I spoke with was very helpful, but still left me confused saying that I had no money in my account when I tried to make the transaction. I ended the phone call cause I got no help. Did the math myself after looking back through my transactions and thats when I came to the conclusion and I had {$34.00} left why would a {$25.00} withdrawal that didnt even go through leave me with XXXX dollars in my account and everyone Ive spoken to acts like there was no money there. I would like my {$34.00} back because this has happened multiple times to me and my mother and I am tired of it. I want my money and for this to be settled. Please help me in anyway you can because if not, XXXX gon na have to take matters into my own hands and involve the the cops or government whoever that will help me sue cause it might be {$30.00} but that {$30.00} was going to my animals so they can eat and my boyfriend had to pay that when theyre not even his animals. Ive tried to get this settled multiple times nobody has helped me, I want my money, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Subject : Dispute of Comenity Bank Retail Card Reporting Errors To Whom It May Concern, I am disputing the Comenity Bank account with XXXX XXXX # XXXX, XXXX XXXX # XXXX and XXXX XXXX # XXXX. This account is being reported with false late payments and inconsistent balances across the credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ).

Additionally, Comenity has not provided proper documentation to verify my liability for the alleged delinquencies. Under FCRA 611 ( a ), any information that can not be verified must be deleted. Therefore, I request that this account be removed from XXXX, XXXX, and XXXX. 
Please conduct your reinvestigation within the required timeframe and provide me with written confirmation of the results. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : 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 2025-09-16 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: IL

Complaint narrative:
I can not get into my account to verify my XXXX. I have the wrong number so it cant be obtained. The vode that was provided to me from the chat before my valid account got deleted keeps giving me an error. XXXX called XXXX  2 times and on hold for over XXXX hours. I cant reach any person because you can only use the live chat from the app by signing in. I cant sign in and I cant reach anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I XXXX XXXX, Social Security # XXXX, Date of Birth : ( XXXX ), Contents of this Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, EQUIFAX reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX opened XX/XX/XXXX under the account number XXXX, XXXX XXXX opened XX/XX/XXXX account number XXXX, XXXX opened XX/XX/XXXX account number XXXX, XXXX XXXX XXXX  collection XXXX XX/XX/XXXX account number XXXX.These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or negative accounts listed above. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: MO

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer 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 2025-09-16 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:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2025-09-16 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX ACCOUNTS : DP OF EDUC - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} DP OF EDUC - Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$01000.00} DP OF EDUC - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was sold a car that was a lemon and i was not aware until the shop found metal shaving in my motor. I had a warranty for upXXXX  from the company. I brought the car from XXXX XXXX  in XXXX, IL with XXXX miles on it. The car starting acting up with only XXXX miles on it. I took my car to the XXXX dealership. When i went to gather my warranty paper, XXXX XXXX in XXXX, IL stated that the company change the warranty to XXXX miles without any notice to me. After this unfortunate event i called capital one to take the car back because they give me the loan and i was told to put in the nearest shop and get a estimate of the cost. At this point they found the metal shavings in my motor and the prices well over XXXX dollars. Capital one inform me that they would get the car out the shop. This process took well over 3 weeks to pick up, This was the beginning of the year in XXXX in XXXX. my car crap out XX/XX/XXXX. I had the car only 2 years at that point. The next month which was XXXX still no information about my car. I ended up calling capital one and they give me a number to call for my car. it was explained to me that my car would be return to me once i paid for the voluntary repression. Upon paying they fail to mention that they had took my car all the way to Minnesota to be sold. I give them XXXX XXXX dollars and they still sold my car. At this point i started to wait for a letter from capital one about the car and how much they got for it. i did not find out about any estimate left until my credit report came out about a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX  Subject XXXX XXXX XXXX  Credit Report Dispute Incorrect Medical Debt Reporting Dear CFPB, My name is * * XXXX XXXX XXXX * *. I am disputing an item on my credit report from XXXX XXXX XXXX XXXX XXXX and creditor XXXX XXXX XXXX XXXX XXXX regarding a medical account with XXXX XXXX XXXX XXXX XXXX XXXX .Please provide me as well how this creditor / debt collector is has the right to personal information without my permission. 

The report is inaccurate because : * My daughter, who was treated, is fully covered by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Her XXXX XXXX name and date of birth are reported incorrectly XXXX XXXX 
XXXX I have XXXX XXXX  never received a bill directly from XXXX XXXX XXXX XXXX  denying me the chance to resolve or pay this balance. 

Under the XXXX XXXX Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) XXXX XXXX furnishers must report accurate information and correct errors. I request this matter be investigated and the inaccurate information removed or corrected. 

Thank you, 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
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
They have no documents bearing my signature, nor can they provide any proof that these accounts belong to me. Despite my repeated letters and numerous phone calls, they have failed to verify the information, as it is false. 

Their continued refusal to correct or remove this inaccurate information is unjustified and in violation of my rights. They stated to me that, they do not have any documents with my signature on it and they can not prove that, this is actually correct or even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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:
This credit analysis overlooks my present money habits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: CA

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the XXXX timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXXXXXX XXXX XXXX  XXXX - XXXX AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court US XXXX XXXX XXXX XXXX XXXX XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing the fraudulent accounts that have been wrongfully reported on my credit file. I did not authorize, open, or in any way engage with these accounts. Their presence is wholly inaccurate and creates a false impression of my financial standing. These entries are misleading, harmful, and undermine the reliability of my credit history.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/year> I am writing to formally dispute and request a comprehensive investigation into all adverse items currently appearing on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am requesting that your agency review the legitimacy and accuracy of these items in light of recent events. 

As you are aware, there was a recent major data breach involving TransUnion, where sensitive consumer informationincluding Social Security numbers, addresses, and personal identifierswas compromised. I have strong reason to believe that my information was among the data exposed and that fraudulent activity may have occurred as a result.

Due to this breach and the risk of identity theft, I am formally disputing every negative item listed on my credit report and requesting that your office : 1. Initiate a full investigation into each adverse account or derogatory entry ; 2. Verify the accuracy, legitimacy, and ownership of each disputed item ; 3. Provide me with the results of your investigation, including the original furnisher of the data and the method of verification used ; 4. Immediately remove any item that can not be definitively verified as accurate and belonging to me.

This letter serves as a general dispute and request for reinvestigation as outlined under FCRA 611. You are required to complete this reinvestigation and provide a response within XXXX days of receipt. Any item that can not be verified must be promptly deleted from my credit file. 

For your reference, I have enclosed : A copy of my government-issued ID A recent tax return form showing my full ssn and current address Please confirm receipt of this dispute and notify me in writing of the results and any updates or corrections to my credit file. 

Thank you for your immediate 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 2025-09-16 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: SC

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-16 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 extremely distressed to see that the inaccurate accounts are still appearing on my credit reports, and nothing has been removed. I am pleading that the documents Ive attached be carefully reviewed so that I can finally stop living with this constant burden.

Company response to consumer: Closed with explanation