vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: OH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
Contacted bank to process checking account closure. Bank directed customer to XXXX  out checking account balance before closure can complete. Customer XXXX out balance as directed and contacted bank to request closure request on XX/XX/year>. Bank confirmed account closure request and assured no further maintenance fees or minimum balance fees would be charged during account closure. 
However, on XX/XX/year>, bank charged {$9.00} account maintenance fee on closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/2XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX RE : Request for Blocking of Fraudulent Information Pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) To Whom It May Concern : I am writing to formally request the blocking of fraudulent accounts and information appearing in my credit file that resulted from identity theft, as provided under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ).

Pursuant to this section of the law, I am providing the following required documentation : 1. FTC Identity Theft Report ID : XXXX XXXX. Proof of Identity : Copy of my driver 's license / state ID 3. Proof of Address : [ Utility bill, bank statement, etc. ] 4. Social Security Number : Last four digits : XXXX No police report is required under the law to exercise my rights under 1681c-2. The FTC Identity Theft Report provided meets all statutory requirements. 

The following accounts/information are the result of identity theft and must be removed from my file : - XXXX XXXX XXXX Account XXXX : XXXX - {$7300.00} Under 15 U.S.C. 1681c-2 ( a ), you are required to remove this information within 4 business days of receiving my request and supporting documentation. 

Please send written confirmation once the fraudulent information has been deleted and blocked from my file. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXXXXXX XXXX XXXX XXXXXXXX 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 2025-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: PA

Complaint narrative:
I have been trying to get my funds from a old cashapp account i just received access to after months and months of trying to regain access, I verified my identity with a piture of me homding my id and whatever else they asked for. So once i get into the account i verified was mines, I tried to withdraw my funds but the app wont allow me to for some reason so when i messaged cashapp, they didnt even respond to my request. They tooo it upon themselves to tell me they " dont provide investment advice ''. I never asked for investment advice, I asked then to give me access to my stocks so i can withdraw and its like they cant comprehend my issue. I even sent then a picture with the paragraph describing my issue and it was totally disregarded. I need help making them understand that now that i have access to my old account, theres still a lock on the stocks I own and im unable to withdraw my funds because of the lock cashapp has on my stock withdrawal capability. When I try to withdraw my funds, it says " We ran into a hiccup. Please try again later. '' I need them to grant me access before my money gets depleted by the market because cashapp has me unable to withdraw my money and they are not acknowledging the issue I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I instructed Paypal to make all charges from my credit card. 

Despite this, multiple transactions continue to get billed to my XXXX XXXX XXXX checking account. I have not directed Paypal or the merchant to charge my checking through Paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: FL

Complaint narrative:
XX/XX/year> VIA CERTIFIED MAIL & CFPB PORTAL XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX Re : Formal Dispute and Immediate Validation Request XXXX XXXX  XXXX XXXX / XXXX Account Account Number : [ Insert Reference Number ] CFPB Case ID : XXXX To Whom It May Concern, I am formally disputing the alleged debt your company claims regarding the above-referenced account. This dispute is made under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. 

Your prior reporting of this account to credit bureaus appears to be inaccurate, incomplete, and unverified. Until you provide full, documented validation of this debt, including : Complete account history from the original creditor XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ). 

Proof of your legal ownership and right to collect this debt. 

Copies of any contract or agreement bearing my signature. 

Chain of custody documentation from the original creditor to your company. 

Proof that you are licensed to collect debts in Florida. 

You are required to cease all collection activity and remove this account from all credit reporting agencies as unverified. Continuing to report unverified or inaccurate information violates federal law and may subject your company to enforcement actions by the CFPB, FTC, and the Florida Attorney General. 

Failure to comply immediately will leave me no choice but to escalate this matter through all available legal channels. All future communication must be in writing only. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, FL 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
Consumer complaint received 2025-08-13 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: FL

Complaint narrative:
XX/XX/year> VIA CERTIFIED MAIL & CFPB PORTAL XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX Re : Formal Dispute and Immediate Validation Request XXXX XXXX XXXX XXXX / XXXX Account Account Number : [ Insert Reference Number ] CFPB Case ID : XXXX To Whom It May Concern, I am formally disputing the alleged debt your company claims regarding the above-referenced account. This dispute is made under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

Your prior reporting of this account to credit bureaus appears to be inaccurate, incomplete, and unverified. Until you provide full, documented validation of this debt, including : Complete account history from the original creditor XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ). 

Proof of your legal ownership and right to collect this debt. 

Copies of any contract or agreement bearing my signature. 

Chain of custody documentation from the original creditor to your company. 

Proof that you are licensed to collect debts in Florida. 

You are required to cease all collection activity and remove this account from all credit reporting agencies as unverified. Continuing to report unverified or inaccurate information violates federal law and XXXX  subject your company to enforcement actions by the CFPB, FTC, and the Florida Attorney General. 

Failure to comply immediately will leave me no choice but to escalate this matter through all available legal channels. All future communication must be in writing only. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: DC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: DC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/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
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My account with DEPT OF EDXXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. DEPT OF EDXXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a XXXX checking account of capital one on XX/XX/XXXX and have been using it normally without any risk. On XX/XX/XXXX, I received an email from capital onesaying that my checking account was restricted and the money in it could not be transferred out.I called and was asked to go to an offline branch to resolve the issue. I am currently visiting relatives in XXXX go to the branch.I want to complain to the bank for violating my rights and interests and freezing customer accounts at will.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXX XXXX  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 2025-08-13 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 2025-08-13 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX  data breach.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I formally request supporting documentation regarding a late payment that appears on my credit report for the account referenced below. I believe this item may have been reported inaccurately and would appreciate any available details or verification related to the entry. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and completeness of the information reported. 

Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/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 explanation
Consumer complaint received 2025-08-13 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: OH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-13 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: GA

Complaint narrative:
Company is reporting a late payment during Covid 19 which goes against the payment accommodation according to section 623 of FCRA.This account should be reporting all payments as current.

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 2025-08-13 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: CA

Complaint narrative:
These illegitimate accounts should be erased within 15 days under the guidelines of USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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:
I am submitting this follow-up complaint regarding multiple items on my credit report that remain inaccurate and/or unauthorized. Despite my previous dispute, I have not received sufficient validation or documentation confirming the legitimacy of the alleged debts. In several cases, I have reason to believe that the reported balances are incorrect .. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: FL

Complaint narrative:
I am submitting this follow-up complaint regarding multiple items on my credit report that remain inaccurate and/or unauthorized. Despite my previous dispute, I have not received sufficient validation or documentation confirming the legitimacy of the alleged debts. In several cases, I have reason to believe that the reported balances are incorrect .. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: TX

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with explanation