vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to report that the credit bureau has not corrected the inaccurate information on my credit report, even after I submitted a dispute. The investigation period has already passed, but the errors are still showing. This failure to fix the issue violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires all credit information to be accurate and verified. I am requesting immediate correction and an updated report reflecting the accurate 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 2025-10-09 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: TX

Complaint narrative:
I want to report that the credit bureau has not corrected the inaccurate information on my credit report, even after I submitted a dispute. The investigation period has already passed, but the errors are still showing. This failure to fix the issue violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires all credit information to be accurate and verified. I am requesting immediate correction and an updated report reflecting the accurate 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 non-monetary relief
Consumer complaint received 2025-10-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I signed up for a free trial with FuboTV in early 2025 and believed I had canceled before the trial ended. The service was never used after the trial period, yet my American Express card was billed for about a year, totaling roughly {$1000.00}. When I discovered the charges, I contacted XXXX, which issued a partial refund for XXXX month but refused to refund the remaining {$680.00}. 

I filed a dispute with American Express on XX/XX/year>, but they closed it immediately, stating they could not investigate because the subscription was created online and that I should contact the merchant directly. I later spoke with an AmEx dispute specialist who confirmed they could not reopen the case for the same reason.

I believe these charges qualify as a billing dispute under the Fair Credit Billing Act since I did not receive or use the service for which I was billed. I am asking American Express to review this dispute properly and issue a credit for the remaining unused charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to report that the credit bureau has not corrected the inaccurate information on my credit report, even after I submitted a dispute. The investigation period has already passed, but the errors are still showing. This failure to fix the issue violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires all credit information to be accurate and verified. I am requesting immediate correction and an updated report reflecting the accurate information.

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

Complaint narrative:
I found multiple inquiries from companies with which I have never applied for credit or granted permission to access my information. These unauthorized entries are negatively affecting my credit score and raise concerns about potential identity misuse or reporting errors. Despite my efforts to resolve this issue, the problem persists.Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate or fraudulent. I am requesting a full investigation to verify the origin and legitimacy of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST NATIONAL BANK OF OMAHA
State: NC

Complaint narrative:
FNBO told me in XXXX someone was trying to redeem my rewards dollars on my credit card account. FNBO closed my account due to the fraud. On XX/XX/year> a company staff told me I would receive a new credit card within XXXX days. I asked what the current balance was so I could pay it, and I paid {$470.00}. I received the new card two weeks later but FNBO would not activate it because I did not know a password they gave me. I always write all of my user names, passwords, and important information I need to remember on my contact lists on my cell phone. I have no idea what password FNBO is talking about. I told FNBO my account user name and password but my new card was not activated. I have been told since XXXX my account is in the fraud dept. I have called over 6 times & waited over 3.5 hours for someone to talk to me. I have not heard anything from the fraud dept. On XX/XX/year> I received an email that told me I had a balance due XX/XX/year>. I don't have an account, nor do I owe FNBO anything. No one in the fraud dept will call me. I appreciate any help you can give me. Thank you very much.

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 2025-10-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Subject : Formal Complaint Regarding Capital One, N.A. Misleading Branch Information and Refusal to Close Account To Whom It May Concern : I am writing to file a formal complaint against Capital One, N.A. for what I believe are misleading business practices and an unreasonable refusal to close a new, unfunded bank account.

I recently opened an account with Capital One. My decision to bank with this institution was based on the assumption that they operated a full-service branch in my local area, specifically the location listed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The central issue arose when I attempted to make my initial deposit. I discovered that the XXXX XXXX location is not a bank branch but a " Capital One XXXX, '' which does not provide essential banking services, including the ability to handle check deposits. Furthermore, my deposit check is for an amount that exceeds the limit stipulated for Capital One 's mobile deposit application. This has made it impossible for me to conduct my fundamental banking business with this institution. 

Because Capital One can not provide the basic services I require in my geographical area, I have decided to do business with another financial institution. However, Capital One is making it extremely difficult to close the account. I have called customer service multiple times to resolve this, only to be given a runaround. Meanwhile, I continue to receive several emails from Capital One pressuring me to fund the account.

My primary concern is that Capital One will begin assessing fees on this account, which I can not fund due to the very service limitations that prompted my decision to leave. It is unfair to be penalized for not funding an account when the banks advertised physical presence does not meet the standard definition of a bank branch capable of handling routine transactions. 

Thank you for your time and attention to this issue. I look forward to your assistance in reaching a swift and fair resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: DISCOVER BANK
State: OR

Complaint narrative:
The seller advertised to sell items offering the free product but when the item arrived, only defects and broken/damaged items they sent, which I disagree to pay to receive damaged items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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 a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to file a complaint regarding an incorrect address being reported on my credit file. The address " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' is not associated with me, and I have never lived at this location. This information has been reported to the credit bureaus, causing potential damage to my credit score and financial standing. The reporting of inaccurate personal information is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies maintain maximum possible accuracy. The presence of this incorrect address is not only inaccurate but unauthorized, as I did not provide consent or any permissible purpose for it to be reported. Additionally, I am unable to submit an FTC Identity Theft Report at this time due to the FTC site being unavailable. As a result, I am unable to provide this as supporting documentation for my complaint. This erroneous information has negatively impacted my ability to obtain credit, housing, and other financial services. I am requesting immediate correction of this information to reflect my correct details. Please investigate and update my credit file to remove this inaccurate address, ensuring compliance with the FCRA. I would appreciate confirmation of the actions taken and a copy of the updated credit report reflecting the correction.

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

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 2025-10-09 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: IN

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 2025-10-09 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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

Complaint narrative:
Im extremely frustrated to see that the inaccurate late payments are still appearing on my credit report today. I dont understand why they havent been removed, even after refreshing my browser. Please review the documents Ive already submitted immediately so this issue can finally be resolved once and for all.

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 2025-10-09 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: TX

Complaint narrative:
I ran a raffle to aid my sister with her mortgage payment, used Cash App as one of the means to send ticket payments, cash app froze my account on XX/XX/year>, not knowing I tried to transfer the money to my account on XX/XX/year>, at no success. 

I called and open a complaint on XX/XX/year> with case # XXXX, they indicated to wait XXXX to XXXX hrs to get an email Called again talked to XXXX on XX/XX/year> Ref # XXXX asked for the email, she said it was coming and it could take up to XXXX hrs Called again talked to XXXX XX/XX/year> ref # XXXX asked again for the email and threatened with lawsuit, she said email was coming Email received XX/XX/year> indicating nothing further needed to be done and to wait Called again talked to XXXX on XX/XX/year>, I advised I was recording and gave all my reference calls, he was transferring to XXXX from Escalations and when I advised XXXX that I was recording he hang up stating cash app does not allow recordings. 

Called again talked to XXXX on XX/XX/year>, advise I was recording he repeated that cashapp does not allow recordings, I said I could stop the recording but I was not disclosing any information other than what they had provided, gave him the refrence numbers and asked to be transferred to escalation again he refused stating that no such department existed and he could not help me further. He advised that pushing the escalation again will drag it to the end of the line. I requested the day of the froze and he stated XX/XX/year> to which I mentioned that they have been in trouble in the past for retaining over {$25.00} for more than 12 days and my case was going for 2 months. 

We disconnected as I hanged up due to him making excuses that XXXX was not capable of answering my questions and that is why he transferred me to XXXX but no such Escalation department existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Pursuant to XXXX XXXX. XXXX, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within XXXX ( XXXX ) business days. 


The following information on my credit report is the result of identity theft and must be frozen : XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of XXXX year, after which I may request an extension. During this time, no information may be reported.

I have contacted EXPERIAN multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

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 2025-10-09 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: Paypal Holdings, Inc
State: AZ

Complaint narrative:
purchased an item through PayPal services using a credit card, the shipper shipped an incorrect item from XXXX. I requested they send the correct item but they refused and refused to issue a refund. I opened a case with PayPal but the shipper said i'd have to return the item ... to XXXX ... at my expense. I refused, and indicated they needed to send me a pre-paid shipping label as this was their mistake, not mine. PayPal closed the case as I didnt ' send the item back. Total cost was {$31.00}

Company response to consumer: Closed with explanation