vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
I made 2 purchases with XXXX XXXX on XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX. The order included 20 items in total. Half of the order did not arrive and is still missing. I began resolution with the merchant ( XXXX XXXX ) on XX/XX/XXXX. I have spoken to 3 different customer service representatives and did not have a resolution for missing items and damaged items. I am now speaking to a brand ambassador and still have no resolution for the missing items. XXXX XXXX has directed me to my bank for a resolution. 

I opened a dispute with my credit card, Capital One XXXX on XX/XX/year>. Capital one closed my case on XX/XX/XXXX saying that the orders were marked as delivered. I reopened the claim on XX/XX/XXXX because that is wrong information. I did not receive all the items from my order and some arrived damaged. Capital One closed my case again on XX/XX/XXXX. I reopened the claim on XX/XX/XXXX. Capital One closed my case on XX/XX/XXXX. I reopened the claim on XX/XX/XXXX because I still have no resolution from the merchant or Capital One regarding items not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-09 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-09 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: TX

Complaint narrative:
I am filing a complaint because the credit bureaus are reporting multiple inaccurate and unverifiable items on my credit file, and they have failed to properly investigate or correct them after being notified. 

On XX/XX/year>, I mailed dispute letters to the credit bureaus identifying several incorrect addresses, an unauthorized inquiry, and multiple accounts that do not belong to me or can not be verified. I specifically requested verification documents such as the original signed application, contract, or note for each disputed account. The bureaus have continued reporting these items without providing any validation, which is a violation of the Fair Credit Reporting Act. 

Inaccurate items include : Incorrect current address Multiple incorrect previous addresses Unauthorized inquiry Several accounts reporting without any supporting documentation showing I opened them Several duplicated or repeated accounts Multiple accounts from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX that have no proof of my signature or authorization Violations committed by the credit bureaus include : 15 U.S.C. 1681i Failure to conduct a lawful reinvestigation 15 U.S.C. 1681i ( a ) ( 1 ) Failure to delete unverifiable information within 30 days 15 U.S.C. 1681i ( a ) ( 7 ) Failure to provide the method of verification when requested 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S.C. 1681b Unauthorized/inaccurate inquiry reporting Willful noncompliance under 15 U.S.C. 1681n for continuing to report data after knowing it is inaccurate I have made multiple attempts to have these errors corrected, but the bureaus continue to report information that is inaccurate, incomplete, or unverified. This has caused harm by lowering my credit score and affecting my ability to obtain credit.

I am requesting CFPB assistance to compel the credit bureaus to : 1. Conduct a lawful reinvestigation, 2. Remove all unverifiable and inaccurate items, 3. Provide proper verification documents, and 4. Correct my credit file.

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 2025-12-09 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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: INDEPENDENT BANK CORP.
State: MA

Complaint narrative:
Several months after opening a checking account at the XXXX XXXX branch of XXXX XXXX my account was closed by the bank. I attempted to obtain a reason from the XXXX XXXX who made a call and was on phone for an hour. He said that the management above him would not tell him. I did receive a notification in the mail after I learned of the closure but it did not provide a reason. I was able to withdraw all the funds I had in my account. XXXX had no information about this. 

I month earlier I had deposited a check from XXXX XXXX  through XXXX XXXX 's ATM. The funds were placed on hold - reason given that it was my first deposit to my account, through an ATM. After ten days the funds were cleared and credited to my account. Until I learned of the account closure, I had made deposits and withdrawals to the account without problems. The checked I had deposited was drawn on a XXXX acount which had sufficient funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Waypoint Resource Group, LLC
State: NC

Complaint narrative:
This debt collector XXXX Waypoint Resource Group , LLC ) contact me many about the debt of a phone bill last year that I closed my account from the phone company. I do not use that account from that phone company since I closed it. I asked them for the detail about of the account they do not provide the details. They want me to pay it without any information or details of some sort.

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 2025-12-09 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I bought a XXXX cruise on XX/XX/XXXX with a deposit of XXXX. The trip was supposed to be in XX/XX/XXXX. I paid the balance of XXXX on XX/XX/XXXX for a total of XXXX. I had to cancel at end of XXXX due to life saving XXXX XXXX. Therefore, I disputed all charges to get my money back. 

XXXXXXXX XXXX gave me a credit back on this card of XXXX on XX/XX/XXXX. The XXXX investigator handling the case credited me back XXXX on XX/XX/XXXX. The remaining balance I have not gotten back is the deposit of XXXX. The investigator gave me the main cruise amount back but forgot about the deposit since it was paid on my credit card on a different date. 

On XX/XX/XXXX, I spoke to billing dispute supervisor XXXX who said she would re-open the dispute with the XXXX so he could credit me back the XXXX. She said this would take XXXX business days. Today is XX/XX/XXXX and no credit to my card has shown up. I have attached a spreadsheet with the simple calculations as well as the travel agent receipt from XXXX XXXX XXXX  which clearly shows the amounts paid and the credit from XXXX. 

I called the disputes department on XX/XX/XXXX and was told they had no idea how much longer this would take. XXXX clearly told me I was due the XXXX deposit and the only way to get it was to have the investigator take a second look and give me the credit. 

I also went to my local Citi branch to complain to the manager. She said she as no authority to get involved in credit card issues. I can't fight anymore. I have XXXX and am XXXX XXXX XXXX. Can you please get my XXXX credited to my Citi Mastercard?

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 2025-12-09 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-09 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


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 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 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 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year> my cash app was hacked at XXXX XXXX I was asleep during this time however I woke up at XXXX to get my kids ready for school and I had XXXX text messages first XXXX I opened was from Cash App saying there was a new login at XXXX near TX. Then the other text message was from my bank XXXX sending me a Fraud Alert. I then went to Cash App and notice XXXX different transactions from {$49.00} to {$490.00} from XXXX different unknown women only XXXX transactions actually went through. So I went to my XXXX bank account and saw {$1700.00} was missing. I contacted Cash App and they said the would investigate, I called my local police and file a report and I contacted my bank to freeze all my accounts. At XXXX Cash App messaged me stating XXXX of the disputes for {$490.00} is denied and will not be refunding me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: NJ

Complaint narrative:
I am writing to formally dispute certain information in my credit report that is a result of identity theft. This dispute is being made under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically Section 605, which mandates the removal or blocking of information stemming from identity theft.

The fraudulent accounts and inquiries that I am disputing are documented in my FTC affidavit, which legally requires you to remove these fraudulent accounts from my report immediately.

My information was leaked in multiple data breaches, including the TransUnion data breach, the Social Security data breach, the Cash App data breach, the XXXX XXXX breach, and the Equifax 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 2025-12-09 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: NJ

Complaint narrative:
I am writing to formally dispute certain information in my credit report that is a result of identity theft. This dispute is being made under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically Section 605, which mandates the removal or blocking of information stemming from identity theft.

The fraudulent accounts and inquiries that I am disputing are documented in my FTC affidavit, which legally requires you to remove these fraudulent accounts from my report immediately.

My information was leaked in multiple data breaches, including the TransUnion data breach, the Social Security data breach, the Cash App data breach, the XXXX XXXX breach, and the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide correct evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TX

Complaint narrative:
Let me be clear that this complaint is legitimate and requires immediate attention. 
My credit report contains inaccurate information that does not meet the required standard of maximum possible accuracy. 
These errors are exerting a serious and ongoing negative impact on my life. 
I insist that these inaccuracies be thoroughly investigated and either corrected or removed without delay. 
Resolving this issue is not only necessaryit is critical.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: NJ

Complaint narrative:
SENT A REQUEST AND NEVER RECEIVED MY REPORTXX/XX/XXXXXX/XX/XXXXXXXX SHOWS THAT MY REQUEST WAS DELIVERED AND RECEVIED BY LEXISNEXIS ON XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
I am requesting verification and validation, by providing me with a copy of bill of sale '' and assignment of contract made pursuant to the FDCPA. Please note that I am requesting validation that this is competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay you, and have not been provided with this.

Company response to consumer: Closed with explanation