vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: SC

Complaint narrative:
I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction. 
XXXXXXXX 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 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 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 Account Status : Derogatory - not reported in Experian and accounts status in TransUnion was Derogatory.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccuracies and unauthorized entries that are currently being reported on my credit report. Despite having previously disputed these items, they remain unresolved and continue to negatively affect my credit profile. I respectfully request your immediate attention to this matter to ensure a fair resolution.. Inaccurate Late Closed Account Reporting : The XXXX  XXXX XXXX account is listed as a late closed account with a balance of {$0.00}. This reporting is incorrect and misleading, as the account should no longer affect my credit report. 
XXXX XXXX XXXX Balance Owed : {$0.00} Unauthorized Credit Inquiries : I have discovered several unauthorized credit inquiries on my report that were made without my consent, which violates my rights under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 3 ). The following inquiries were made without my authorization : Inquiries Included in Dispute ( XX/XX/XXXX XX/XX/XXXX ) : XXXX CREDIT/COLONIAL DO XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK, XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX CAPITAL XXXX AUTO FIN XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX New XXXX Included in Dispute ( XX/XX/XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Additional XXXX Included in Dispute ( XX/XX/XXXX ) : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries should be investigated and removed from my credit report immediately.Inaccurate Reporting of Charge-Off Account : The XXXX XXXX * account is reported as a charged-off account with a {$0.00} balance. This account should be investigated, and if found inaccurate, it should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I just checked my credit report again and I am really upset to see that the inaccurate accounts are still there. They were never taken off even after everything I sent in. Please review the documents I attached carefully because I honestly can not keep going through this stress anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is my second formal complaint. My first complaint was Case # XXXX, which Capital One closed by providing a deceptive and factually false response to the CFPB. 

My account ( ending in XXXX ) remains locked for 47 day ( since XX/XX/year> ). 

Capital One deceived the CFPB by providing a response ( dated XX/XX/year> ) designed to close my complaint without solving it. Here is the proof : XXXX. THEIR RESPONSE WAS A LIE : The letter claimed Capital One is still waiting for a " Bank Statement ''. This is false. I have already submitted my bank statements multiple times, including on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They are lying about not receiving them. 

XXXX. THEIR RESPONSE WAS A TRAP : The letter stated " E-mail is preferred '' but * * provided NO email address. It directs me to the same abusive call center ( XXXX ) where agents have intentionally muted my call and told me they " can not help. '' Capital One did this " only '' to make it appear to the CFPB that they had " addressed '' my complaint. 

They COMPLETELY IGNORED all other documented issues : The systemic " Something went wrong '' errors preventing me from managing my own profile. The egregious agent misconduct ( muting me ). My required resolution ( reset SUB window, waive annual fee, and goodwill points ). 

I am re-filing this complaint. Capital One is acting in bad faith, lying to federal regulators, and holding my account XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
These companies continue to report false Information have not reflected the facts that the accounts were paid in full they continue to harrass me and are causing hardship by reporting and accurately and duplicating accounts, selling them to collection agencies when they have been paid in full when I submit and prove that the deaths are not mine and have been cured, they do not return your calls me wait several months and start calling again from a new company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
I am submitting this complaint because my credit reports contain multiple inaccurate and duplicate accounts being reported, as well as personal identifying information that does not belong to me. These items have been disputed directly with the credit bureaus, and they have continued to report these entries without providing any documentation or verification of accuracy. 

Some of the same accounts are appearing more than once, which is duplicate reporting and is damaging my credit profile. I have requested verification multiple times, but I have not been provided proof, contracts, signatures, or any original documentation showing that these accounts are valid or that I am legally responsible for them. 

Because of this failure to verify, the credit bureaus are in violation of my consumer rights under the Fair Credit Reporting Act. They are continuing to report unverified and outdated information even after being notified. 

I am asking CFPB to step in because I have attempted to work directly with the bureaus, and they have not corrected or removed these inaccurate items. I simply want the inaccurate, unverified, duplicate items removed from my file. 

I have also added affidavits for each bureau

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 2025-11-07 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: MN

Complaint narrative:
I am submitting this complaint follow up to formally request the correction and verification of my personal information as currently reported on my credit file. Upon reviewing my records, I discovered that certain personal details including my name, date of birth, current address, and employer are being reported inaccurately. These errors have created confusion and misrepresentation in my credit profile, which may negatively impact my creditworthiness and future financial opportunities. 

The inaccurate address information being reported is as follows : XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX, XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX ( XX/XX/year> ) This outdated address should be removed, as it no longer aligns with my current residence. In addition, my name and employer information must be corrected to accurately reflect my legal name and current place of employment. 

These inaccuracies constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ), as credit reporting agencies are required to maintain only accurate and verifiable information. Specifically, these errors violate : FCRA 605B The right to block reporting of any information that is inaccurate or can not be verified.

FCRA 607 ( b ) The obligation of credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy.

FCRA 611 ( 15 U.S.C. 1681i ) The right to dispute and request reinvestigation of inaccurate information.

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 2025-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I am filing a formal complaint regarding inaccurate credit reporting by : Santander, XXXX, or C I previously disputed this account with the credit bureaus, but they verified the information without providing proof of accuracy. 
:

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: EQUIFAX, INC.
State: AR

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, the FCRA requires that unverifiable or inaccurate information must be corrected or updated within the legally mandated timeframe. The continued reporting of this late payment is a direct violation of these provisions. 
XXXX XXXX XXXX XXXX XXXX  Balance : {$32000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Consumer Financial Protection Bureau Complaint Complainant : XXXX XXXX XXXX : XXXX Email : XXXX Date : XX/XX/XXXX Subject : Fraud, Forgery, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Auto Finance On XX/XX/XXXX, I, XXXX XXXX, purchased a XXXX XXXXXXXX XXXX ( VIN : XXXX ) from Autoland XXXX XXXX XXXX XXXX, Florida. The vehicle was financed through Capital One Auto Finance. Approximately 45 days after purchase, the vehicle experienced a malfunction. When I attempted to return it, XXXX XXXX XXXX denied my request and instructed me to use the service contract purchased with the vehicle. The dealership also made false representations that I could take the vehicle to any repair shop, which was not true. Multiple repair shops refused service due to the warranty companys low estimate, and the one that did accept the job failed to complete the repair properly. When I returned to the dealership, I was denied assistance again. Upon reviewing my purchase documents and financing paperwork, I discovered evidence of fraudulent activity, forgery, and contract manipulation, including inconsistent signatures and undisclosed terms involving Capital One Auto Finance. These actions appear to constitute violations under consumer law, criminal law, and the Florida Deceptive and Unfair Trade Practices Act ( XXXX ). I believe Capital One Auto Finance failed to properly verify the integrity of the financing contract and the dealerships compliance with lawful standards, resulting in financial harm, misrepresentation, and deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I have been using PayPal for many years to pay my daughters piano lessons, dance class fees and for my spouse to send money for things related to our child. In XXXX I was told my account was limited and I could not longer use PayPal with no explanation why. I had {$1100.00} in my account which I had not transferred to my bank account yet. I sent emails to customer service and the execs at PayPal with no response. Customer service only resent the initial email. I waited the 180 days which was XX/XX/XXXX. Their email stated I would receive an email showing how I can withdraw my funds. I did not get an email so I called the following day. I have spoken to PayPal 6 or 7 times since XX/XX/XXXX and spoke to XXXX supervisors who all state I should be able to withdraw my money and keep escalating to another department. They each say I will hear something from them within in a certain timeframe. I never do and have to keep calling them only for them to escalate to a different department. At this point, I do not trust that they are going to allow me to withdraw my money and feel like they are stealing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: SC

Complaint narrative:
Capital One is a great company and Ive absolutely no issues until they purchased XXXX XXXX  and changed my debit card to XXXX XXXX Now I cant use my debit card on numerous platforms and its stating my debit card declined when I have money in my account this is embarrassing and I dont have access to my money. Wow! And they explained to give them the merchants so they can work with them! But Im the customer! Im trying to use my money. This has got to be a class action lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: PA

Complaint narrative:
I am really desperate right now because the inaccurate accounts are still on my credit report. I need these documents to be checked carefully so I can finally have peace of mind and not live with this constant worry anymore.

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 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year> at XXXX XXXX I was led to believe I was doing a ticket transfer I was told to send a down payment of {$300.00} on Cash App they would then send 2 tickets and I would send the other {$300.00}. The {$300.00} was sent and I received a screenshot of two fake XXXX XXXX ticket conformations. I was on screen share on the phone to man sure I knew they had tickets and confirmed they did which I then sent the down payment but they sent me something else. The hung up and never called back. I asked for my money back politely but never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
I am submitting this complaint because my credit reports contain multiple inaccurate and duplicate accounts being reported, as well as personal identifying information that does not belong to me. These items have been disputed directly with the credit bureaus, and they have continued to report these entries without providing any documentation or verification of accuracy. 

Some of the same accounts are appearing more than once, which is duplicate reporting and is damaging my credit profile. I have requested verification multiple times, but I have not been provided proof, contracts, signatures, or any original documentation showing that these accounts are valid or that I am legally responsible for them. 

Because of this failure to verify, the credit bureaus are in violation of my consumer rights under the Fair Credit Reporting Act. They are continuing to report unverified and outdated information even after being notified. 

I am asking CFPB to step in because I have attempted to work directly with the bureaus, and they have not corrected or removed these inaccurate items. I simply want the inaccurate, unverified, duplicate items removed from my file. 

I have also added affidavits for each bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
I am submitting this complaint because my credit reports contain multiple inaccurate and duplicate accounts being reported, as well as personal identifying information that does not belong to me. These items have been disputed directly with the credit bureaus, and they have continued to report these entries without providing any documentation or verification of accuracy. 

Some of the same accounts are appearing more than once, which is duplicate reporting and is damaging my credit profile. I have requested verification multiple times, but I have not been provided proof, contracts, signatures, or any original documentation showing that these accounts are valid or that I am legally responsible for them. 

Because of this failure to verify, the credit bureaus are in violation of my consumer rights under the Fair Credit Reporting Act. They are continuing to report unverified and outdated information even after being notified. 

I am asking CFPB to step in because I have attempted to work directly with the bureaus, and they have not corrected or removed these inaccurate items. I simply want the inaccurate, unverified, duplicate items removed from my file. 

I have also added affidavits for each bureau

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 2025-11-07 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 have no connection to the mentioned creditors and did not initiate this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express is in material violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, by furnishing contradictory and incomplete data. I am filing this complaint because American Express is failing to maintain the legal standard of 'maximum possible accuracy. ' The account ( ending in XXXX ) is reported as a severe derogatory mark ( Collection/Charge-Off with a {$10000.00} balance ) on my XXXX  credit report. 

However, this identical tradeline is entirely MISSING from both my XXXX and XXXX  credit reports. 

I previously disputed this information, and the American Express Credit Bureau Unit responded on XX/XX/year>, refusing to correct the error and only verifying the charge-off status without addressing the inconsistency. 

The verified absence of this severe derogatory account on XXXX major credit reports, while actively furnishing it to the third, proves a failure to report consistently. This is not an accurate reporting practice. 

I demand the immediate, permanent, and voluntary deletion of the entire American Express tradeline from all three credit reporting agencies ( XXXX XXXX and XXXX  ) as the sole remedy for this ongoing FCRA violation.

Company response to consumer: Closed with non-monetary relief