vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-10-27 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: MI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: NC

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

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 2025-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZWICKER & ASSOCIATES
State: KY

Complaint narrative:
Hi, my name is XXXX XXXX, and I live in XXXXXXXX XXXX 

I need urgent help with a bank garnishment that came from a Tennessee judgment filed by Zwicker & Associates for XXXXXXXX XXXX XXXX XXXX XXXX. 

My bank, XXXX XXXX, has taken money from my account twice about {$5300.00} last XXXX and {$260.00} this month even though I was never notified or served for any case in XXXX. The paperwork lists a wrong address, and it looks like theyve already taken more than the judgment amount. Both times I have tried to request information on this matter but was met with no response besides my bank after many calls, emails and visits. Despite that, my bank ( XXXX XXXX XXXX  ) has withdrawn funds from my accounts twice. First on XX/XX/XXXX ( {$5300.00} ) and again on XX/XX/XXXX ( {$260.00} ) totaling {$5500.00}. Leaving me in financial distress each time. Preventing me from paying bills, getting gas for work, and eating. 

This morning I just received from the XXXX court. The judgment includes a XXXX XXXX  interest rate, but I was never notified of the case or served. Theyve already taken over {$5500.00} from me, which seems far above the judgment amount. I need to know if the interest is being applied correctly or if I can challenge it. 

Id like to speak with someone or asked for assistance with someone who handles consumer debt or garnishment defense to see if I can stop further collections and possibly vacate the judgment for improper service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: LA

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: VA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-10-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: CA

Complaint narrative:
There was numerous charges to my prepaid card that I didnt have no knowledge of. I would block transactions and cash app would still let the payments go thru. I recently dispatched a bunch of transactions and my account was close without my permission. Cashapp has a history of taking clients money on different charges and once cashapp is caught making these charges they close your account saying the client is doing fraudulent activity. Every transaction on my Account from 2 years ago I can vouch for but the rest of them I know nothing about. Cash App even sent out a new debit card, so why close my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: NC

Complaint narrative:
Hello, I am writing to request clarification and assistance regarding my most recent XXXX application. My new XXXX XXXX was established on XX/XX/year>, and my employer submitted a completed XXXX form on XX/XX/year>. 

However, no qualifying payments have been applied to my account. I was informed by Student Aid that since the consolidation was recently completed, I would need to submit another XXXX form. When I consolidated my previous XXXX loans, I was told that my payment counts would transfer automatically once the consolidation was finalized. Now, I have been advised that I must start over with a new payment count, which contradicts the earlier guidance I received. 

The loans were separated, then converted into a XXXX XXXX, with the understanding that I would receive XXXX credit for prior eligible payments. I respectfully request a review of my account and that all qualifying payments be accurately credited toward XXXX as previously indicated. Old XXXX loans are now eligible for XXXX. 

Thank you for your time and assistance in resolving this matter.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: WY

Complaint narrative:
On XX/XX/year>, PayPal unexpectedly deducted my entire account balance of {$3000.00} and labeled it as PayPal Loss Recovery and General Account Correction. I did not authorize any such transaction or receive any prior notice explaining the reason for this deduction. 

I immediately contacted PayPal through their customer support channels and repeatedly requested a full explanation, supporting documents, and clarification regarding the alleged loss recovery. Despite several follow-ups, I only received generic responses that did not address the issue or provide any documentation. 

I asked PayPal to show any evidence of the loss or violation that justified taking my funds, but they have refused to provide this information. As of today, the funds remain withheld without explanation or refund. 

This situation has caused significant financial hardship, and I believe PayPal has mishandled my account and failed to act transparently. I am requesting the CFPBs assistance in recovering my funds and ensuring that PayPal provides a clear and verifiable explanation for this deduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: VA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXXXXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc.

Complaint narrative:
I transferred a Bitcoin from my blockchain.com wallet to another of my XXXX wallet and it was supposed be delivered to the wallet within 30 minutes but is been 7 days now, and it still pending. I tried contacting them on email and phone number but they said they will get back to me 5 days ago but still havent got back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
The property is called The XXXX which is owned and managed by XXXX XXXX. In XX/XX/year>, my lease with XXXX ended XXXX XX/XX/XXXX. Prior to the lease end, the XXXX property manager informed me that I would be receiving a refund. However, I received a notice of {$2700.00} balance from the XXXX account manager on XX/XX/XXXX and promptly emailed on XX/XX/XXXX and XX/XX/XXXX to point out the accounting error. Receiving no response, I followed up on XX/XX/XXXX by contacting the property manager. I believe the property manager forwarded my message because the account manager finally responded on XX/XX/XXXX. The account manager then requested that I prove that I dont have a balance but should receive a refund. Strange that this wasnt communicated internally between them, but nonetheless, I forwarded her emails from the property manager. XXXX then corrected the accounting error which resulted in not only an elimination of the balance, but issued a refund of {$1500.00}. 
Despite this resolution, on XX/XX/year>, I received collections notice from a debt collector acting on behalf of XXXX, claiming an unpaid balance. This was erroneous, as the company had already acknowledged the account was cleared. On XX/XX/XXXX, I emailed the account manager and property manager, informing them of this issue and requesting immediate action to rectify and provide documentation. The account manager responded, claiming that XXXX sent me a balance notice on XX/XX/XXXX with a response deadline of XX/XX/XXXX, and because they received no response until XX/XX/XXXX, the account was sent to their billing service, which then reached the debt collector. However, even this attempt to absolve responsibility this is factually incorrect. The account manager also stated they had notified their third-party billing service of the XXXX balance but that updates would " take time '' on the third party 's end. They provided no proof of this notification or any other documents and instructed me to contact the billing service directly to resolve any issues. 
In the end, XXXX owed me a balance but sent a false debt in my name to a collector. The account manager was so flippant, and I even requested escalation to a supervisor and regional manager, but no escalation was provided. XXXX has caused harm though improper account handling, defamation of credit, and clear violations against me on of both federal and state consumer protection laws, and negligence and lack of care/appropriate action even when the issue was later discovered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: GA

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 2025-10-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
XX/XX/XXXX through the XXXX  myself and my family stayed at the XXXX XXXX XXXX in XXXX. I was told that we had to pay a deposit for a room incidentals. I gave them my capital one credit card. The hotel charged me {$200.00} for XXXX rooms which make it {$800.00} And I have not been able to get those deposits returned to me from rotten blue Waters I disputed with the hotel and I disputed my credit card charges of the {$800.00}. Ive given capital one all of the bank statements to show that my fianc pay for the room I pay for my daughters room and I paid deposit for both rooms And XXXX keeps saying that I have not given them enough information to dispute the hotel charges and I have been unsuccessful with the hotel as well and I am due {$800.00} back to that credit card. Its been very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: MD

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 2025-10-27 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: Source Receivables Management LLC
State: MA

Complaint narrative:
Source Receivables Management filed at {$520.00} negative credit filing on my credit report. I do not owe this debt and have no idea who is the original debt. I spoke with them to resolve this issue and they were very uncooperative. I have not received any documentation related to the debt and want it removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: NE

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
Cashapp closed my account after I called and asked why I can't activate the XXXX  card I had to pay for. Supervisors won't speak on the phone. Sent me an email then told me not to respond. Filed an appeal with them and was told it would take 10 days to be contacted by the correct department. 3 days later they closed my case without telling me why my account was closed in the first place. I have never performed fraudulent activity. This was my first time canceling a card because it was stolen from me out of my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I deposited a check to my Bank of America small business account and they placed a weeklong hold on the check even though I expressed to them I was waiting on the check to come through so that I could purchase a new car needed to do a job for my company they said that it was their prerogative to place a hold on the check and not to give me specific reasons why that hold was placed on a check. I expressed to them that this company has given me checks before and even of a larger check back in the spring time, and there was no issues then the funds were made available the very next business day and they said that that didnt matter it was their policy really without expressing reason I told them that my business was going to suffer because I needed these funds sooner if they could please help me out and release them fun sooner than they expected and they said no it was their policy honestly its corporation against small business and it seems like they just dont care. Im not a big fish and they really dont care to lose a customer as I expressed to them I would be taking my business elsewhere. They said go ahead.

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 monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am officially requesting the deletion of this inaccurate account from my credit report, as I never authorized its creation or use. Attached are the supporting documents to substantiate my claim.

Company response to consumer: Closed with explanation