vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: SC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Several interest charges that were not discussed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-22 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: MO

Complaint narrative:
Hello, I need my XXXX settlement checks sent me on my address on file. I did not ask why I was banned or anything. I want my checks to be sent to my address on file. Not back to the receptionist that's already told me they can't change anything in a email sent the day of notice of funds being deposited. Not sending me my funds and sending the checks back negates my XXXX experience from that time. Makes all of my efforts to receive this momey invalid. So im requesting that PayPal send me two small amount checks for my hassles. As I was a normal member until they thought I wasn't and banned me for 0 reason. I'm broke, of course I don't have much money in a account. 

I do not want MY funds to be sent to them XX/XX/XXXX. As they can't send it to me in any other form as it's a settlement to a bank I thought had my back. As you see, they do not. Banning me for being poor is dirty. Basically, I was just told that they found me to be poor and banned me. 

The last case I had that literally just revealed it to me. Sorry that I don't have rich parents. 

I need that money, as I am broke and need that money for my services made harder to purchase due to my account being banned for being poor. One would think working for the IRS would put me in a higher bracket of XXXX 's poor rating system. It did not. 

I want my checks sent to me in mail. Two XXXX dollar checks. Why? I'm poor, remember? The reason you banned me : D

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: NY

Complaint narrative:
I am writing to dispute the inaccurate information on my credit report acquired by Equifax. This letter is for the purpose to invoke my rights under the Fair Credit Reporting Act ( FCRA ) 15USC 1681i, which obligates you to provide me with the procedures you used to verify the information on my credit report. If you can not verify the accuracy of the disputed items, they must be deleted from my credit report right away. 
Additionally, under the Gramm-Leach-Bliley Act ( 15 USC 6802 ) I have an essential right to privacy regarding my financial information. Also. 15 USC 1681 ( 4 ) under the FCRA highlights the importance of maintaining the accuracy and privacy of consumer credit information. 
No permissible purpose, as shown in 15 USC 1681b ( 2 ), has been established for Equifax to maintain a credit report on my behalf. 
Equifax has neither my permission nor a valid permissible purpose to supply a credit report containing my personal information. The absence of such permissible purpose makes the presence of this information a violation of my privacy rights.

Additionally, 18 USC 1028a addresses identity theft and its associated penalties, highlighting that identity theft is a serious crime. 
The unauthorized acquisition and use of my personal information is a criminal act and violates principles of privacy and consumer protection.

Under 15 USC 1681c-2, credit reporting agencies are required to block information that results from identity theft. The transactions in question were not conducted by me. If my information has been compromised due to identity theft, I am expecting Equifax to take all necessary action to correct and block this information as ordered by law. 
l from now on request a formal investigation into my dispute and the removal of any incorrect information from Equifax 's records if it is determined that no permissible purpose exists for maintaining this information. I expect Equifax to comply with the FCRA, 18 USC 1028a, and 15 USC 1681c-2 to fix any issues related to identity theft. 
Please provide me with a written response to this dispute within 30 days, with detail on any action taken to correct the inaccuracies on my credit report, along with the results of your investigation, If my report is not corrected or removed in accordance with the law, I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and 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 explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Hello my name is XXXX XXXX XXXX and i am writing this complaint about CAPITAL ONE which is mistreating me and illegally dealing with me as an consumer. I have paid off account on my credit report. And CAPITAL ONE has it reporting as a collection account. I need these accounts investigated and UPDATED to on time with no negative derogatory on my report. This is hindering me and making it hard to raise my family and be a home own due to credit denials. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
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 : 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

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 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams, Rush & Associates, LLC
State: NV

Complaint narrative:
I am filing this complaint because William Rush & Associates continues to report a fraudulent account to my credit report despite being properly notified of the fraud in writing. 

On XX/XX/year>, I mailed a certified dispute letter to William Rush & Associates notifying them that the alleged debt they are reporting is not mine and was the result of identity theft/fraud. I provided identification and supporting documents to verify my identity. According to XXXX tracking, they received my certified letter, but they have failed to investigate or remove the fraudulent account from my credit reports. 

Despite them receiving notice of fraud, they have continued to furnish the inaccurate information to XXXX XXXX XXXX which is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

This ongoing reporting is causing significant & unfair harm to my credit reputation. I am requesting that William Rush & Associates : 1. Immediately cease all credit reporting and collection activity related to this fraudulent account ; 2. Provide written confirmation that this account has been permanently deleted from my credit

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One done switch their debit card service to the XXXX XXXX  and they aren't accepted every where like XXXX and XXXX. My XXXX account won't accept that card and other merchants won't accept it either. It's not right that Capital One can do this to their millions of customers without any repercussions. When is our government going to take a stand for the little guys and not bug corporations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: NJ

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: GA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: NM

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
DEAR SANTANDER XXXX USA ; I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( the contract I allegedly signed, if applicable ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA 1692g ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable.

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX confirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear Experian 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 : 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

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 2025-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
I was moving my crypto from Robinhood to my crypto wallet and had already transferred {$5000.00}, the daily limit, but the next day when I tried to transfer another {$5000.00}, they decided that they will lock my funds. There was no reason to do this and even though they say it was suspicious. If there was fraud I would have contacted them telling them this was not me moving the crypto so clearly, they are making this us to try to stop me from moving my funds. They sent an email that my account would be unlocked by the end of business day today XX/XX/XXXX and my account was still locked. There was no reason for this action, and it is causing a hardship on me because I am not able to access my funds at all. I can not withdraw {$2000.00} in cash that I have in my account, I am not able to stake crypto that is making me lose income. In addition to that, I email them and I get a reply that the issue was resolved, and they just ignore my email even though my account is still locked up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I opened a Wells Fargo checking account earlier this summer to participate in a promotion : the bank advertised a bonus of {$320.00} if I received {$1000.00} in direct deposits within the required period. At account opening the banker confirmed the promotion was applied to my account. 

During the onboarding the banker misspelled my last name on the debit card. Because I was busy I asked Wells Fargo to correct the error over the phone ; I was then told by the banker that a new account had been opened under the correct spelling of my name. Ever since then the promotional bonus status has been unclear and I have received no written confirmation that the bonus will still be honored. 

Timeline of key events and my actions : - Early summer : I opened the account at the XXXX XXXX ( XXXX XXXX ) Wells Fargo branch and was told the {$320.00} promotion would be applied if I met the direct deposit requirement. ( {$1000.00} within a certain amount of time I believe 60 days ) - XXXX XXXX : I spoke with the banker ( XXXX XXXX ) who confirmed a new account had been opened to correct the misspelling and said he would look into whether the promotion would still apply. 

- Multiple follow-ups since early XXXX : Each time I called the banker he asked for a few more days to investigate. 

Approximately three weeks ago : The banker told me he would provide an update and said he would reach out with an update yesterday. ( Supposedly Monday, XXXX the XXXX ) 2 days ago ( XXXX XXXX ), yesterday ( XXXX XXXX ), and today ( XXXX XXXX ) : I called both the banker and the branch repeatedly ; no one answered. I also left messages, but have not received any response. 

Amounts involved : {$320.00} promotional bonus ; {$1000.00} required direct deposits that I have met per the promotion ( I can provide dates and proof of direct deposits if requested ). 

Harm and impact : - I risk losing a promised {$320.00} promotional payment because the banks employee ( s ) created administrative errors ( misspelling my name, opening a second account ) and have failed to respond to repeated inquiries.

- The lack of timely, written confirmation and the repeated delays have caused substantial frustration and financial uncertainty.

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 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had two debit cards opened up with Chase. One account has been opened since XXXX or even before that. Yesterday XX/XX/XXXX my new recent account got closed and when I called customer service they said they didnt need a reason to. Since its a new debit card I didnt put mind to it. I assumed since I get a lot of XXXX since Im always baking thats the reason why. Today in the middle of work I get a bunch of email notifications stating my information was being erased from my account. I called customer service once again because my account was locked just to be on the phone with them for an hour and tell me that chase closed my account down. Ive had this account for years and all my money is into that account. No reason, not even a heads up! Now I have no debit card, no money, no way of paying all my bills and things I need to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation