vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am asking for your assistance in looking into accounts from companies that have incorrectly reported late payments. After reviewing my credit report, I found some accounts showing late payments that are not accurate. These accounts should not have any such remarks. Please remove these errors and update the accounts to show a positive status as agreeed

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 2025-04-23 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: OH

Complaint narrative:
I filed a dispute with all 3 credit bureaus stating my account with XXXX XXXX  is paid in full. 

I provided documentation showing the account was paid in full however Experian Credit bureau sent back their findings Stating the information is reported correctly and did not change it.

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 2025-04-23 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: VA

Complaint narrative:
Dispute of XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute a reporting error on my credit file regarding my account with XXXX XXXX XXXX XXXX. 

Creditor Name : XXXX XXXX XXXX XXXX Account Type : Credit Card Account Nickname : XXXX XXXX Reported Credit Usage : 100.52 % Reported Balance : {$2500.00} XXXX XXXX : {$2500.00} This is inaccurate. The accurate account information is as follows : Current Balance : {$700.00} Available Credit : {$1800.00} XXXX XXXX : {$2500.00} Actual Credit Utilization : 28 % As this error has negatively affected my credit score, I have included the correct account details along with verifiable information to support my dispute and demonstrate the accurate figures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is tremendously hurting my ability to obtain credit and a mortgage ( XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX ). Its my understanding that each credit bureau will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX  XXXX ( account number XXXX ). In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. This inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit as XXXX XXXX XXXX trying to buy a house for his family. I have paid the account through a PAY TO DELETE, and it has not been honored. The credit bureau failed to investigate this account properly after I repeatedly asked to have the account updated/REMOVED and once again that has violated my consumer rights. I am demanding a deletion of the following account : Accounts Name : XXXX XXXX  XXXX ( account number 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 2025-04-23 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is tremendously hurting my ability to obtain credit and a mortgage ( XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX ). Its my understanding that each credit bureau will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX  XXXX ( account number XXXX ). In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. This inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit as XXXX XXXX XXXX trying to buy a house for his family. I have paid the account through a PAY TO DELETE, and it has not been honored. The credit bureau failed to investigate this account properly after I repeatedly asked to have the account updated/REMOVED and once again that has violated my consumer rights. I am demanding a deletion of the following account : Accounts Name : XXXX XXXX  XXXX ( account number XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Net Pay Advance, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I received a customer rights notice that the law no longer prohibits netpayadvance.com to attempt to collect from my bank account in order to protect my account, however, there has been 15 attempts following this notice of them repeatedly attempting to collect from this same account to which any attempt to use my account has been restricted. This is blatant violation of my rights as a consumer with excessive abusive tactics that has my checking account in danger. I want them to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: PA

Complaint narrative:
On XX/XX/year>, I placed an order for a {$5900.00} cold plunge unit from XXXX XXXX using my KeyBank debit card. Within a few hours, I contacted the company through their online customer support to cancel the order. They denied the cancellation, claiming the item had already shippedhighly unlikely given the size and logistics involved. 

Later that evening, a company representative called me from a personal number, attempted to persuade me not to cancel, and offered free filters and an additional product as incentives. These were later forgotten until I followed up. 

When the product arrived, I hired a licensed electrician to install a dedicated outlet per XXXXXXXX XXXX specifications. I followed all installation and setup instructions precisely. Despite this, the product arrived defective : a hose broke shortly after setup and the chiller failed within XXXX week, rendering the unit unusable. 

I immediately contacted XXXX XXXX to request a refund. They refused, offering instead to send a replacement chiller. This would not fix the broken hose or restore my confidence in the product. They then attempted to place blame on me, despite professional installation and compliance with all instructions. 

I filed a dispute with KeyBank for defective merchandise. I submitted documentation including proof of professional installation, photos of the defects, and a detailed timeline. KeyBank denied the dispute, citing that the issue was product quality and not eligible for chargebackan incorrect classification, as the product was defective and failed nearly immediately. 

I also filed complaints with the FTC and XXXX both of which were ignored by the company. 

I am requesting that KeyBank re-evaluate the claim as defective merchandise / goods not as described, and assist in recovering the {$5900.00} paid for a product that was never functional.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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:
I am writing to request the immediate removal and blocking of these unauthorized accounts from my credit report. I did not open or approve them, and I have no connection to them. Under the guidelines of USC 1681g, I am requesting their deletion within the next 15 days. Please review the enclosed documentation. I also noticed that the reported information varies between bureaus, making it inaccurate and misleading.

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 2025-04-23 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: NM

Complaint narrative:
Multiple Data Breachs, Comprimised report never fully corrected, not accurate or equitable i need a report i can obtain credit with. Also NO LATE Payments of any kind are ever allowed as that is considered a transaction! So why is there still reports of late paymemts! Also if you do not have written permission to use XXXX Standard fee is {>= $1,000,000} XXXX XXXX. 
So be advised usage trading or profiting in any way without paying usage Fee is strictly prohibited in regards to 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 2025-04-23 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: NM

Complaint narrative:
Multiple Data Breachs, Comprimised report never fully corrected, not accurate or equitable i need a report i can obtain credit with. Also NO LATE Payments of any kind are ever allowed as that is considered a transaction! So why is there still reports of late paymemts! Also if you do not have written permission to use XXXX Standard fee is {>= $1,000,000} XXXX XXXX. 
So be advised usage trading or profiting in any way without paying usage Fee is strictly prohibited in regards to 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 2025-04-23 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
On XX/XX/scrub>, 2025, I sent a {$110.00} payment via Cash App to a user named XXXX ( $ XXXX ) for a service that was never provided. The payment appeared in my transaction history as Pending, and despite multiple attempts to cancel or resolve the transaction, I was denied a refund.

I submitted a refund request through Cash App, which the recipient declined. Despite this, the transaction never showed as completed in the app instead, it remained marked as Processing, with a message stating I could not file a dispute until the payment was completed. This loop prevented me from taking proper action.

I contacted Cash App support multiple times. Each time, I received a different explanation : One message said the transaction was still processing.

Another said it was just a request.

Later, they claimed it was successfully completed.

Finally, they told me to dispute it with my bank or request the money directly from the recipient.

These inconsistent responses, combined with the lack of service provided and the denial of a refund, led me to believe this transaction was mishandled. I received no product or service in return for the funds I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: NC

Complaint narrative:
I hope all is well. The functions on my Discover account are not working. When I transferred money from my savings account yesterday it normally lets me access it. The items that were trying to come out we're not paid for so I should have been able to use it like I been using it. Before I made the big deposit I transferred {$100.00} in there and brought something from XXXX XXXX XXXX XXXX so then my balance should have been {$74.00} once it didnt pay for XXXX and XXXX XXXX. Im not for sure whats going on with my account I know the check from the IRS has not yet been deposited but when I transfer {$12.00} yesterday I should been able to use it. What happened to the {$74.00}? If I never made the deposit from the IRS and once those bills were not paid for I would been able to access the {$86.00}. Im not sure what Discover has done to my account but its not working correctly at all. Please give me a call at your earliest convenience. Thank you for your time. Have a wonderful day!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
In XXXX of XXXX  I purchased a home in XXXX  via XXXX XXXX. 
The cost of the home was {$330000.00} I put down over XXXX XXXX > {$140000.00} to avoid any additional fees PMI, ect...? 

The mortgage was transferred to Freedom Mortgage unbeknown to me and this is something that occurs normally and legally I am told? 

However, Freedom Mortgage put back all of the Additional costs like PMI ect? I Putting down over XXXX XXXX was one of the main reasons I elected to do that. 

Can you help explain to me if they had the right to do this and if not, what can I do to get those charges stopped and refunded? 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
After further looking into my credit report, I noticed that Capital One verified the information on the credit reporting agencies was accurate. They even said in their own words what is suppose to be reporting on the credit report. But if you look in notice XXXX credit bureau has it as closed and XXXX other have it as past due amount showing on a charged off account is against FCRA violation. In fact it violates XXXX XXXX, this is not going to XXXX XXXX guidelines and violates FCRA regulations. There is also a deceptive reporting when Capital One has stated that they charged off the account ever since XX/XX/year> and have been reporting to XXXX credit bureaus that it was charged off each month since they charged it off first in XXXX of 2024. This reporting has caused damage and harm to maximum accurate reporting when in fact this is damaging my future relationships with other creditors with this false information. I have been disputing this this account since last year and you have verified this as accurate and correct. Your blatant disregard to the violations you committed is despicable and unacceptable. Your investigation into the issue not only violates the law but violates me in getting correct information reporting on my credit report to get creditors to see correct information. Capital One had more than enough time to correct this information but instead you chose to violate the law and report information not true and definitely didnt get the maximum possible accuracy that the FCRA XXXX require.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$3200.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$5300.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$370.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX, XXXX, TX XXXX Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft. 

I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following accounts must be removed immediately : XXXX XXXX XXXX  - Account ending in XXXX Date opened : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them. 

Enclosed Documents : 1. FTC Identity Theft Report 2. Copy of my government-issued This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary.

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts. 

Thank you for your immediate attention to this matter. 

I can be reached at the contact information above if further clarification is needed. 


Sincerely, 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