vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Hello, Im writing to file a complaint regarding my Capital One CreditWise account, which has been locked without clear reason. Despite multiple attempts to resolve this issue with Capital One customer service, my account remains locked and inaccessible. 

I have tried the recommended steps, including password resets and contacting customer support multiple times. However, customer service representatives have been unable to unlock my account or provide a solution, leaving me completely locked out. 

This has caused me significant frustration and prevented me from accessing important credit monitoring services that I rely on. 

Capital One CreditWise has locked my account and is requesting additional personal documentation to unlock it. This is preventing me from accessing my account to view or terminate CreditWise services. The linked Capital One card on my account is also flagged and requires further information, which has caused a delay and frustration in resolving this issue. Despite providing what I can, customer service has not been able to assist me in unlocking my account or closing the service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
I was eligible for student loan forgiveness under PSLF almost a year before I was granted the forgiveness. I called monthly for updates and waiting on hold each time for hours to be given no information. I continued to pay my monthly payments, usually more. Finally I was granted forgiveness to the eligible loans. I was supposed to receive a refund for the overpayments I had been making the past year toward those loans while waiting for forgiveness. I only received a portion of the credit. I have almost {$1000.00} I am owed, with no updates from MOHELA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally submit a complaint regarding multiple unresolved violations of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., as committed by various credit reporting agencies and data furnishers. Despite repeated disputes submitted to Equifax, Experian, and TransUnion, inaccurate and unverifiable information continues to appear on my credit reports. 

Several addresses that have never been associated with me remain erroneously listed on my reports. These include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This misreporting of address history is not only misleading but poses a serious risk of identity confusion or fraud. Under 15 U.S.C. 1681e ( b ), credit bureaus are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. These entries fail that standard. 

The following accounts are also inaccurately or unlawfully reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) : * * Listed with late payments that remain unverified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) : * * Improperly classified as a charge-off. 

XXXX XXXX ( XX/XX/XXXX ) : Shows a {$0.00} balance yet is reported as a charge-off, an internal contradiction. 

XXXX ( XX/XX/XXXX ) : Reported as a {$1300.00} charge-off without any notice or validation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Reported as collections without any FDCPA-compliant debt validation. 

Further, the following inquiries were made without my authorization or a clearly established permissible purpose, in violation of 15 U.S.C. 1681b : XXXX XXXX XXXX XXXX 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 ) These inquiries have negatively affected my creditworthiness and appear to have been obtained without my consent or any legitimate need. 

I have provided documentation, submitted disputes, and waited for reinvestigations under 15 U.S.C. 1681i, all of which have yielded either inadequate responses or no action. The continued misreporting has directly led to credit denials, emotional distress, and financial harm. I request the Bureau to investigate these ongoing violations and enforce immediate correction or deletion of the erroneous entries.

Thank you for your time and attention to this serious matter.

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 2025-05-24 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: TX

Complaint narrative:
I am writing to formally submit a complaint regarding multiple unresolved violations of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., as committed by various credit reporting agencies and data furnishers. Despite repeated disputes submitted to Equifax, Experian, and TransUnion, inaccurate and unverifiable information continues to appear on my credit reports. 

Several addresses that have never been associated with me remain erroneously listed on my reports. These include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This misreporting of address history is not only misleading but poses a serious risk of identity confusion or fraud. Under 15 U.S.C. 1681e ( b ), credit bureaus are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. These entries fail that standard. 

The following accounts are also inaccurately or unlawfully reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) : * * Listed with late payments that remain unverified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) : * * Improperly classified as a charge-off. 

XXXX XXXX ( XX/XX/XXXX ) : Shows a {$0.00} balance yet is reported as a charge-off, an internal contradiction. 

XXXX ( XX/XX/XXXX ) : Reported as a {$1300.00} charge-off without any notice or validation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Reported as collections without any FDCPA-compliant debt validation. 

Further, the following inquiries were made without my authorization or a clearly established permissible purpose, in violation of 15 U.S.C. 1681b : XXXX XXXX XXXX XXXX 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 ) These inquiries have negatively affected my creditworthiness and appear to have been obtained without my consent or any legitimate need. 

I have provided documentation, submitted disputes, and waited for reinvestigations under 15 U.S.C. 1681i, all of which have yielded either inadequate responses or no action. The continued misreporting has directly led to credit denials, emotional distress, and financial harm. I request the Bureau to investigate these ongoing violations and enforce immediate correction or deletion of the erroneous entries.

Thank you for your time and attention to this serious matter.

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 2025-05-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute an eviction-related collection account that is being reported on my credit report by a third-party collection agency. This account should be removed because the debt no longer legally belongs to the original property management or landlord and is now being handled by a third-party collector. 

According to the Fair Credit Reporting Act ( FCRA ), any information reported on a credit file must be accurate and verifiable. The collection agency is reporting a debt associated with an eviction, but I was never directly notified by the original creditor, and I have not received proper validation of this debt from the collection agency. 

Furthermore, third-party collection accounts related to evictions often contain incomplete or inaccurate details, and in this case, the reporting lacks critical documentation to substantiate the claim. I am requesting a full investigation and removal of this item from my credit report due to its unverifiable status and improper third-party reporting. 

I ask that the credit reporting agencies comply with the FCRA and remove this derogatory information promptly. I am also requesting that this complaint be forwarded to the reporting collection agency for further resolution. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 any 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 seven 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I HAVE XXXX DISMISSED XXXX LISTINGS ON MY CREDIT FILE ( XXXX ) AND ( XXXX ). THEY HAVE BOTH REACHED THE XXXX YEAR XXXX XXXX XXXX THESE LISTINGS MUST BE REMOVED. EQUIFAX HAVE YET TO RESPOND.THESE COMPLAINT WAS FILED OVER XXXX  DAYS AGO.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: CA

Complaint narrative:
Im filing this complaint to address serious errors on my credit report. Accounts that dont belong to me are showing up, likely due to a file mix, and also identity theft. These inaccuracies are damaging my credit and raising ongoing concerns tied to fraud. This is a clear violation of my rights and has already harmed my financial standing. Additionally, this has already been deleted by both XXXX and XXXX, continued reporting of these inaccurate and false entries on my report is a grave violation of my rights as a consumer.

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-05-24 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: TN

Complaint narrative:
Im filing this complaint against TransUnion for continuing to report inaccurate accounts on my credit file, despite multiple disputes. These accounts are either the result of fraud or reporting errors, and they do not belong to me. 
This inaccurate reporting is harming my family and me, as we are being denied credit for housing and transportation. TransUnion has failed to properly investigate and correct these issues, violating my rights under the Fair Credit Reporting Act ( FCRA ). 
Im requesting a full investigation and that TransUnion be required to remove all unverifiable or incorrect information from my report.

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 2025-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Consumer Complaint Against XXXX XXXX PayPal XXXX Inc. ) Date of Incident : XX/XX/2025 Issue : Refusal to Close Account Promptly ; Poor Customer Support ; Security Concerns Requested Resolution : Immediate account closure and written confirmation ; formal review of XXXX account closure policies Summary : On XX/XX/2025, I contacted XXXX support via their in-app chat to request immediate and permanent closure of my account. I had never used the account to send or receive any payments. To my surprise, I was informed the account was frozendespite no activity on my partand that it could not be closed until it was first unfrozen by a separate Account XXXX team. 

I made it clear I was not interested in reactivating or unfreezing the account. I wanted it deleted immediately due to lack of use, growing security concerns ( I began receiving login attempts from unknown devices ), and a poor user experience. 

The support agent informed me that even after unfreezing, the account closure process would take XXXX business days. This delay is unacceptable for a financial service that holds personal information and potentially linked financial accounts. I repeatedly asked for escalation to a supervisor or someone with authority to intervene, but was told supervisors did not operate via chat and would only respond via email in up to XXXX hours. The chat was eventually terminated by the agent without my consent or resolution. 

I consider this an unfair and potentially deceptive practicemaking it difficult for a consumer to close their financial account and exposing them to prolonged security risks. I am especially concerned that this rigid policy violates my rights under Illinois consumer protection laws, as well as CFPB guidance on financial account access and closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Chime Financial Inc
State: PA

Complaint narrative:
i wan na reopen my chime account im not sure why it was closed they wont even tell me why it was closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: OH

Complaint narrative:
I have not been able to access my old CashApp account because the phone associated with the account is broken. They normally send a code to the number on the account. They could also send a code to XXXX but I can remember the password. I have called CashApp 10 times. They sent me a new card and said the funds would be transferred to the new account but it wasn't. There ate three benefit checks that was deposited... close to $ XXXX. My phones were government issued phones. I've had several. I tried to contact one of the vendors but they said the number is no longer active. They sent me a new SIM card but neither of them worked. My landlord waited the three months for them to fix it but he eventually evicted me. Now I'm homeless. I asked CashApp if they could send the funds back to Social Security so it could be reissued to me but they said no. Social Security couldn't help. They said once the treasurer releases it to the account it is out of their hands. CashApp said the money would just sit there until I can access my account but how can I do that if they won't verify me. I need my money! What can I do? I desperately need my money to pay for an apartment. Please, please help me. Are they allowed to just keep my money forever? 

The address I entered on this complaint is my former address. I was evicted on XX/XX/year>. I stayed at a hotel for a week and now my friend 's daughter is allowing me to stay with her for a short while. I found housing but I need my money in order to put a deposit down and first months rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credit Systems International, Inc.
State: MS

Complaint narrative:
DEBTVALIDATIONLETTER Date Dear Thisletterisbeingsenttoyouinresponseto : XXXX ( XXXX ) -Noticesenttomeon 20 -ResponsetoalistingonmyCreditReport.

Beadvisedthisisnotarefusaltopay, butanoticesentpursuanttotheFairDebtCollection PracticesAct,15USC1692gstatingyourclaimisdisputedandvalidationisrequested.

ThisisNOTarequestfor '' verificationorproofofmymailingaddress, butarequestfor VALIDATIONmadepursuanttotheabove-namedTitleandSection.Irespectfullyrequestyour officesprovidemewithcompetentevidencethatIhaveanylegalobligationtopayyou.

Atthistime, Iwillalsoinformyouthatifyourofficeshavereportedinvalidatedinformationtoanyof the3majorcreditbureaus ( XXXX XXXXXXXX ) thisactionmayconstitutefraudunder bothFederalandStateLaws.Duetothisfact, ifanynegativemarkisfoundonanyofmycredit reportsbyyourcompanyorthecompanythatyourepresent, Iwillnothesitateinbringinglegal actionagainstyouandyourclientforthefollowing : ViolationoftheFairCreditReportingAct, ViolationoftheFairDebtCollectionPracticesAct, andDefamationofCharacter.

Ifyourofficesareabletoprovidetheproperdocumentationasrequestedinthefollowing Declaration, Iwillrequireatleast30daystoinvestigatethisinformation, duringwhichtimeall collectionactivitymustceaseanddesist.Also, duringthisvalidationperiod, ifanyactionistaken whichcouldbeconsidereddetrimentaltoanyofmycreditreports, Iwillconsultwithmylegal counselforsuit.Thisincludesanylistingofanyinformationtoacreditreportingrepositorythatcould beinaccurateorinvalidated.

Ifyourofficefailstorespondtothisvalidationrequestwithin30daysfromthedateofyour receipt, allreferencestothisaccountmustbedeletedandcompletelyremovedfrommy creditfileandacopyofsuchdeletionrequestshallbesenttomeimmediately.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: Nelnet, Inc.
State: OH

Complaint narrative:
Im REQUSTING the removal of my student loan off my credit report XXXX of XXXX XXXX XXXX I have not given any agency authorization to reported which is a valuation of 18 U.S. CODE 1028-

Company response to consumer: Closed with explanation