vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: Early Warning Services, LLC
State: MD

Complaint narrative:
I recently attempted to open new bank accounts, but I was denied. The banks informed me that my information was reported by XXXX  and/or Early Warning Services . I then obtained my consumer reports from these agencies, but the reports contained inaccurate or fraudulent information that does not belong to me. 
I am the victim of identity theft or reporting errors. I did not authorize or open the accounts being reported. This false reporting is blocking me from accessing basic banking services and is causing serious financial harm. 
I believe XXXX, Early Warning Services, XXXX, and XXXX XXXX XXXX are violating my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) by failing to maintain accurate information and by reporting information that does not belong to me. 
I am requesting that the Consumer Financial Protection Bureau require these agencies to : Conduct a full reinvestigation of my consumer files. 
Remove all inaccurate, unverifiable, and fraudulent information. 
Provide me with corrected copies of my consumer reports showing deletion of the false information. 
Cease sharing false or fraudulent information with banks and financial institutions that prevents me from opening an account. 
Ensure my personal information is not being improperly sold, shared, or misused without my authorization. 
I demand immediate removal of these false records so I can regain access to essential banking services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: CO

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX, XXXX ( also XXXX XXXX XXXX XXXX ) and TransUnion XXXX XXXX, for their continued false, misleading, and unlawful reporting of an alleged debt despite multiple disputes and documented evidence. On XXXX XXXX, I submitted a dispute to TransUnion ( Dispute Reference No. 
XXXX ) to dispute incorrect and false reporting after previous dispute challenging XXXX XXXX XXXX account reporting. 
Despite this filing, I received a dispute investigation report XX/XX/year> where TransUnion continues to report false information including : - An incorrect balance of {$8500.00} - An inaccurate last payment date - Charges unsupported by any valid contract or leaseagreement Both XXXX XXXX XXXX and TransUnion are in violation of federal and state law, including but not limited to : - Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i & 1681s-2 ( b ) - Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e & 1692f - Colorado Fair Debt Collection Practices Act ( CFDCPA ), C.R.S. 5- 16-108 & 5-16-109- Colorado XXXX XXXX XXXX ( XXXX ), C.R.S. 6-1-105 Damages and Harm Suffered The continued unlawful conduct of both XXXX XXXX XXXX and TransUnion has caused substantial harm, including : - Denial of housing and mortgage opportunities - Loss of creditworthiness and financial stability - Emotional distress, embarrassment, and reputational harm - Delays in securing an FHA mortgage due to the fraudulent reporting XXXX XXXX XXXX and TransUnion have repeatedly failed to comply with their statutory obligations. Their willful false reporting, failure to investigate, and fraudulent practices constitute clear violations of federal and Colorado law. I respectfully request that your office take immediate enforcement action and compel full remedies as outlined. 
Please note prior complaint numbers 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 non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XX/XX/XXXX, I received an email from Capital One indicating that my account was under review. Shortly thereafter, I contacted Capital Ones customer service line and was informed that, due to unspecified security concerns, Capital One had elected to terminate my account. No further explanation or specific basis for this action was provided. 

To date, I have not been advised whether this account closure will result in a negative record with XXXX XXXX XXXX XXXX XXXX XXXX, nor whether it will impair my ability to open checking accounts with other financial institutions. 

At the time of closure, the balance in my account was {$0.00}. In my cultural background, this figure carries a positive and auspicious significance. I have reason to suspect that Capital One XXXX have applied a discriminatory policy, effectively penalizing me for maintaining what they considered an insufficiently large balance. 

I feel this termination is unjust, particularly given that I opened the account at Capital Ones invitation. Having relied on Capital Ones services, I am now unable to receive funds that would otherwise have been deposited into this account, causing a direct and adverse impact on my livelihood. 

I have always exercised diligence and caution in the use of checking accounts, refraining even from pursuing welcome bonuses, with the sole intent of maintaining a normal and responsible banking relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
TRANSWORLD SYSTEM INC illegally report a collection account on my credit report without my permission. I didn't get any notice from them. according to FCRA section 605b it is illegal to report information on my credit report without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$220.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$1200.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1200.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

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. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: PA

Complaint narrative:
XXXX XXXX Tue, XX/XX/XXXX, XXXX ( XXXX hours ago ) to me Despite my ongoing disputes requesting the correction of false or inaccurate information, I have noticed that inaccuracies still remain on my credit report. The issues I have highlighted in my prior dispute letters have not been properly addressed, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and related federal statutes. 
Specifically, your continued reporting of unverifiable or inaccurate information violates : FCRA 1681i ( a ) : Requires reinvestigation of disputed information to ensure accuracy FCRA 1681s-2 ( b ) : Mandates furnishers correct inaccurate, incomplete, or unverifiable information FCRA 1681e ( b ) : Requires maximum possible accuracy in consumer reporting FCRA 1681c-2 : Limits reporting of outdated or inaccurate information FDCPA 15 U.S.C. 16921692p : Prohibits false, misleading, or deceptive debt collection practices FCRA 1681b ( f ) : Restricts impermissible access to consumer reports Furthermore, I am aware of CFPB enforcement actions against credit reporting agencies, highlighting systemic failures to comply with federal requirements for accurate reporting and dispute resolution. The persistence of these inaccuracies on my report is unacceptable. 
As such, I demand the following immediate actions : 1. Correct any and all inaccurate, incomplete, or unverifiable information on my credit report 2. Provide written confirmation of these corrections along with a full, updated copy of my credit report 3. Ensure my rights under the FCRA, FDCPA, and related federal laws are fully protected moving forward If these demands are not met within the legally required timeframe, I will escalate this matter to the CFPB, FTC, and Office of the Attorney General for enforcement action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/year> LVNV FUNDING LLC XXXX * * * * C/O RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX Re : Cease and Desist & Debt Validation Request under 15 U.S.C. 1692c ( c ) & 1692g To Whom It May Concern : This letter is sent in response to your recent communication regarding the alleged debt you claim I owe. Be advised of the following : 1.Cease and Desist ( 15 U.S.C. 1692c ( c ) ) : I hereby demand that you immediately cease all further communication with me regarding this matter, except as specifically permitted by law ( e.g., to inform me that collection efforts are terminated, or that you intend to pursue a specific legal remedy ).

2.Debt Validation Request ( 15 U.S.C. 1692g ) : In addition, I am exercising my right to request full validation of the alleged debt. Until you provide the following documentation, you must cease all collection activity : The name and address of the original creditor. 

The exact amount of the alleged debt, including itemization of fees and interest. 

Copies of any judgment ( if applicable ). 

Copies of any contract, agreement, or other documents bearing my signature that establish the alleged debt. 

Proof that you are authorized to collect this debt in my state. 

Please note : Failure to provide the requested validation while continuing collection efforts will be considered a violation of the Fair Debt Collection Practices Act and XXXX be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

I expect your compliance within 30 days of your receipt of this letter. If you can not provide the required validation, you must cease collection and remove any negative reporting related to this alleged debt from my credit files. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: Certegy Holdings, LLC
State: MD

Complaint narrative:
I recently attempted to open new bank accounts, but I was denied. The banks informed me that my information was reported by XXXX XXXX XXXX XXXX XXXX XXXX  I then obtained my consumer reports from these agencies, but the reports contained inaccurate or fraudulent information that does not belong to me. 
I am the victim of identity theft or reporting errors. I did not authorize or open the accounts being reported. This false reporting is blocking me from accessing basic banking services and is causing serious financial harm. 
I believe XXXX XXXX XXXX XXXX XXXXXXXX, and Certegy Check Services are violating my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) by failing to maintain accurate information and by reporting information that does not belong to me.

I am requesting that the Consumer Financial Protection Bureau require these agencies to : Conduct a full reinvestigation of my consumer files. 
Remove all inaccurate, unverifiable, and fraudulent information. 
Provide me with corrected copies of my consumer reports showing deletion of the false information. 
Cease sharing false or fraudulent information with banks and financial institutions that prevents me from opening an account. 
Ensure my personal information is not being improperly sold, shared, or misused without my authorization. 
I demand immediate removal of these false records so I can regain access to essential banking services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/year>, I sent an instant transfer of {$200.00} from my PayPal account to my XXXX XXXX bank account. I paid {$3.00} for the instant transfer fee, but the {$200.00} has still not reached my XXXX XXXX account after more than two weeks. 

I contacted PayPal support multiple times, but the responses have been dismissive and inconsistent : XX/XX/XXXX : After realizing the transfer was not instant, I contacted support and was told to wait 72 hours. 
After 72 hours : I followed up and was told to wait until the next day. 
XX/XX/XXXX : I saw a message from PayPal stating that the delayed deposit issue was fixed. I asked again about my transfer and was told to wait 2448 hours. 
XX/XX/XXXX : I followed up and again was told to wait. 

As of today, the funds are still missing. I paid for an instant transfer of {$200.00}, but PayPal has not provided the service, nor a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: LA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-09-10 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: NC

Complaint narrative:
On XX/XX/year> I paidXX/XX/XXXX{$320.00} via cash app .. The services was never completed and I have asked for my money back though cash app/ from the person and through my bank XXXX XXXX and they were all denied. I have sent evidence to each individual showing that this person took my money and no one will issue me a refund. I paid through my bank account which is connected to my cash app bank account number ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I was locked out of my Coinbase account suddenly, and it required OTP verification which was being sent to the registered account in their system however I lost access to that number ( I totally forgot to update the number on the platform as I used fingerprint to sign in ), I attempted the verification through ID/Passport and it also did not work, I've been trying to regain access to the account for almost a year now, and their support team does not even respond. At the beginning they responded to me with some instructions related to the verification via ID/Passport that i followed but the issue was not resolved, I still follow up every now and then but no response, they just ignore my support tickets/cases. 
The most recent case number is XX/XX/XXXXXXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-10 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: CA

Complaint narrative:
Let me be absolutely clear : this complaint is legitimate and demands immediate attention. My credit report contains inaccurate information that fails to meet the required standard of maximum possible accuracy. These errors are causing serious, ongoing harm to my credit, finances, and wellbeing. I insist you open a full reinvestigation of all disputed entries now. If you can not fully verify and certify each item as accurate and belonging to me, delete it from my file and stop reporting it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: DISCOVER BANK
State: CA

Complaint narrative:
on XX/XX/XXXX I ordered a dress from XXXX that was advertised as 65 % Linen and 35 % Polyester but they sent me an item that was 100 % Polyester which I received on XX/XX/XXXX. on XX/XX/XXXX I requested a refund without return as per FTC rules since they did not send me the product I ordered, and they just keep repeating " Regarding this issue for item SKU XXXX, we would like to offer you a solution. You can choose between this 2 options : a. Refund 50 % ( no need return the item ) b. Free Return & Refund '' even though I keep telling them that's against the law The date ( s ) of the transaction or issue : XX/XX/XXXX. Since that is against the law, and I am entitled to a refund without return when they send me an item i did not order instead of the item i did order and paid for, I disputed it with my card. I provided images of what I received vs what was advertised/what I ordered. I also provided information on the FTC laws regarding the above and related FTC fabric composition laws but they still claimed the charge was valid, without providing evidence and all my evidence to the contrary, and closed in XXXXXX/XX/XXXX favor. So they are colluding with XXXX to commit fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: Experian Information Solutions Inc.
State: NC

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 2025-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
My long-standing MoneyGram account , used strictly for personal purposes, was permanently closed without clear explanation in early XX/XX/year>. 

My spouse signed into her own MoneyGram profile from my phone while we were both staying abroad. Since we share a joint bank account, both of our profiles showed the same device, IP address, and bank connection. Shortly afterward, both of our profiles were XXXX. 

I contacted MoneyGram and explained that : We are spouses with a joint household and joint bank account. 
My account has always been used for legitimate personal transfers, never fraudulent or prohibited activity. 
The overlap of device and IP was only because of our shared household, not suspicious behavior. 

Despite this, I was told the decision was final, with no specific details given and no option for appeal. This has caused financial hardship, as I relied on MoneyGram for personal transfers.

Company response to consumer: Closed with explanation