vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing this complaint regarding Capital Ones improper handling of a chargeback dispute involving illegal counterfeit goods. 

On XX/XX/2025, I used my Capital One Venture X card to purchase items through XXXX  XXXX E-C in the amount of {$510.00}. The items were listed as designer products ( ex : XXXX XXXX, XXXX, XXXX, etc ) at the time of purchase. I did not order replica, or counterfeit goods. 

After the transaction was completed, the seller unilaterally altered the order receipt and item descriptions to reflect different item names that I never ordered. The seller then shipped illegal counterfeit designer goods, including counterfeit XXXX XXXX, XXXX, XXXX, and other luxury-branded items, without disclosure that the items were counterfeit. 

Upon discovering the goods were illegal counterfeits, I immediately attempted to return them. The seller refused remediation and stated in writing : Returning the product is impossible. The shipping fee is more expensive than the price. 

The seller then blocked all further communication, preventing resolution. 

I reported this seller and their XXXX company to the Federal Trade Commission ( FTC Report # XXXX ). I was advised by the federal government to initiate a chargeback, as counterfeit goods can not legally be resold, returned internationally, or treated as valid merchandise. 

Capital One initially issued a provisional credit but later reversed the chargeback, stating that the goods were as described and received in good condition. This conclusion is factually incorrect and legally unsound. Counterfeit goods are illegal and materially different from what was ordered, regardless of delivery. 

By relying solely on merchant-submitted documentation that was altered after purchase, and by ignoring my evidence showing : Original order screenshots Proof of counterfeit goods Sellers written refusal to accept a return FTC report confirmation Capital One failed to conduct a reasonable investigation and improperly sided with the merchant. 

Why this is a problem? Capital Ones decision contradicts : Federal consumer protection standards Card network rules, which treat counterfeit goods as fraud Fair dispute investigation requirements, by accepting altered merchant records while disregarding cardholder evidence Delivery of illegal counterfeit merchandise does not constitute goods as described. Capital Ones handling of this dispute effectively forces me to pay for criminal merchandise and leaves me without meaningful consumer protection. 

Additional Info : FTC Report Number : XXXX Capital One Case Number : XXXX Creditor : Capital One, XXXX. 

Merchant : XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: NC

Complaint narrative:
I settled the debt with the collector for less, it should no longer be on my credit 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 explanation
Consumer complaint received 2025-12-16 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My XXXX  credit report just received today still has incorrect information on it causing me damages to my credit score. See attached it shows a HELOC account that no longer exists whereas my home of XXXX  years was title thefted by JPMCB. I was illegally foreclosed on then illegally evicted please see attached. I was evicted and this account was part of the foreclosure process. I have not lived there since XXXX XXXX, XXXX. This is the reason Chase has kept ALL of the illegal foreclosure and eviction from my credit report and much more. It is FRAUD title theft. The XXXX  representative I spoke to over a week ago took this information from me via phone and it is still on my report wrongfully causing me damages. 
THIS IS AGAIN FALSE CREDIT REPORTING BY JPMCB WITH THE CREDIT BUREAUS. 
PLEASE SEE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
Ive resent my previous letter informing the company I received a copy of my credit report and noticed some late payments that still needed to be corrected. I was never late, and they failed to provide documents that proved otherwise. 

Clearly, prohibition means something that is not allowed. This law says a company shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Lets look at has reasonable cause to believe that the information is inaccurate. I clearly showed them in my previous letter that they have reasonable cause to believe that the information is inaccurate by defining accurate and what it means to be inaccurate, and by pointing out the laws theyve violatedtherefore making the information inaccurate! This is a violation of XXXX US Code XXXX. 

The law also says that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Clearly, my right to privacy as a consumer has been violated by publicly reporting this information when I never gave the organization permission to report my 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 2025-12-16 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: LA

Complaint narrative:
Pursuant to XXXX U.S. Code XXXX inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by XXXX XXXX Code XXXX g ( a ) ( XXXX ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: DE

Complaint narrative:
I am filing this complaint as a consumer who is working diligently to repair my credit. Upon reviewing my TransUnion credit report, I identified charged-off accounts, inquiries, and a late payment that appear inaccurate or unverified. 

* * Charged-Off Accounts in Dispute ( TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$1100.00} XXXX XXXX Credit Account XXXX XXXX Opened XX/XX/XXXX Balance {$440.00} * XXXX Credit Account XXXX XXXX Opened XX/XX/XXXX Balance {$3400.00} XXXX XXXX   Inquiries in Dispute ( TransUnion ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX * CRB Upgrade XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX * Fleet Capital XX/XX/XXXX * * Late Payment in Dispute ( TransUnion ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account # XXXX I am requesting that TransUnion conduct XXXX thorough investigation into these disputed items. Any account or inquiry that can not be verified as accurate, authorized, and compliant with the Fair Credit Reporting Act should be corrected or removed from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: CA

Complaint narrative:
I got XXXX  almost XXXX  year ago and my maiden name has legally changed. I have no identifying documents with my maiden name at this point, including social security card. The only intity I'm having troubles with changing my last name is CashApp. I have reached out to their customer service both through their chat in their app ( per their own procedure ) and by phone. I've gone through the process, twice, where they have asked that I upload the required documents ( which include very sensitive information : my full legal name, a selfie of myself holding my ID, front and back photo of my ID, and my marriage license ), which I have done. I went through this process twice, waiting weeks apart, before going through the process again. It's been months at this point, with multiple follow up calls/ chats and still no resolve. It's not as simple as just closing the account and moving on as I have investments through the app and the end-of-year tax documents do not reflect the correct information for reporting purposes. I continue to get the same runaround every time I call in to have the issue resolved but most concerning is where they are having me send the same sensitive information, where apparently, this information is not being handled with care. 


Key Issues Clearly Demonstrated by the Recorded chat : XXXX. Documents were requested, confirmed, and represented as queued, but the secure upload process appears to have stalled or failed. 


XXXX. The user was told to expect an updated card within approximately XXXX weeks, which did not occur. 


XXXX. Weeks later, neither the legal name update nor the replacement card had been completed, despite compliance by the user. 


XXXX. Support responses are repetitive and procedural, with no evidence of resolution or escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Continue to call, send emails, send mail. As well as selling my information without my consent to a second company to collect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: GA

Complaint narrative:
Ive resent my previous letter informing the company I received a copy of my credit report and noticed some late payments that still needed to be corrected. I was never late, and they failed to provide documents that proved otherwise. 

Clearly, prohibition means something that is not allowed. This law says a company shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Lets look at has reasonable cause to believe that the information is inaccurate. I clearly showed them in my previous letter that they have reasonable cause to believe that the information is inaccurate by defining accurate and what it means to be inaccurate, and by pointing out the laws theyve violatedtherefore making the information inaccurate! This is a violation of 15 US Code 1681s-2. 

The law also says that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Clearly, my right to privacy as a consumer has been violated by publicly reporting this information when I never gave the organization permission to report my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Student loan — Private student loan
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: AES/PHEAA
State: CA

Complaint narrative:
AES/PHEAA is attempting to collect and report a private student loan balance that was materially inflated through unauthorized loan transfer/principal balance additions that I did not apply for, did not sign for, and did not receive loan proceeds for. AESs servicing history reflects phantom principal increases posted to my account in the amounts and dates below : XX/XX/XXXX : + {$20000.00} XX/XX/XXXX : + {$12000.00} XX/XX/XXXX : + {$13000.00} I did not execute promissory notes for these amounts, did not receive Truth-in-Lending disclosures for them, and was not enrolled in school in XXXX!! 

These balance additions are therefore disputed as unauthorized extensions of credit / improper balance migration. 

AES has failed to provide competent documentation explaining the basis for these entries, including : ( XXXX ) executed promissory note ( XXXX ) for each added amount, ( XXXX ) disbursement records showing funds sent to a school or borrower, ( XXXX ) enrollment/eligibility documentation, ( XXXX ) TILA disclosures and variable-rate documentation specific to each alleged obligation, and ( XXXX ) a complete chain of title and servicing authority. Instead, AES has relied on limited summary materials and conclusory statements that it is not obligated to possess chain-of-title documents while continuing to collect on behalf of XXXX XXXX. 

These phantom principal postings created downstream harm because AES assessed and capitalized interest against inflated balances and later removed/reversed certain balances while retaining the interest and capitalization effects, leaving me paying interest on amounts that never represented lawful disbursements or authorized debt. This is unfair and deceptive servicing and results in inaccurate credit reporting. 

AES can not lawfully continue collection and furnish credit information based on principal increases it can not substantiate with original loan documents, disbursement proof, and a complete loan-level accounting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
AMERICAN EXPRESS ( Multiple Charged-Off Accounts ) Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Issues : Multiple charge-offs Inconsistent balances Reporting after charge-off Disputed but still derogatory Inaccurate open/derogatory status Furnisher Deletion Demand American Express Violations Asserted 15 USC 1681 ( a ) ( 4 ) Maximum possible accuracy 15 USC 1681s-2 ( b ) Failure to correct after dispute XXXX XXXX violations Charge-off + balance inconsistencies Unlawful postcharge-off reporting Demand Provide : Original signed agreement Complete itemized accounting Proof of charge-off authority Proof of balance accuracy Absent full validation DELETE all referenced tradelines

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH

Complaint narrative:
I am submitting this complaint regarding inaccurate and misleading credit reporting by PennyMac Loan Services , LLC . 

PennyMac is reporting my mortgage account as ( 1 ) included in my Chapter XXXX bankruptcy plan and ( XXXX ) closed. Both statements are false and materially inaccurate. 

My mortgage loan with XXXX is not included in my XXXX XXXXXXXX bankruptcy plan. It was not provided for, treated, or paid through the bankruptcy court. I remain contractually obligated on this loan and continue to make monthly payments directly to PennyMac. There is no confirmed plan, confirmation order, or court documentation that includes this mortgage. 

Additionally, PennyMac is reporting the account as closed even though the mortgage is open, active, and currently being paid as agreed. This misrepresents the legal and factual status of the loan. 

As a result of these inaccuracies, my positive payment history is not being properly reported. Reporting an account as closed and bankruptcy-included suppresses on-time payment activity and causes material harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: NY

Complaint narrative:
I am submitting this complaint because there are multiple items on my credit reports from XXXX XXXX, and TransUnion that I believe are inaccurate, unverifiable, or being reported in error. I have attempted to resolve these matters directly with the credit bureaus but have not received sufficient correction or validation. I am requesting that the CFPB assist in ensuring the credit bureaus conduct a proper investigation and correct or remove the disputed information per the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts ( None listed for this bureau ) Concern : I request verification of any charged-off accounts currently on file and removal of any unverifiable items. 

Inquiries XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Concern : These inquiries may not have been authorized or may have been made without a permissible purpose. Please confirm authorization and validity. Remove any that can not be verified. 

Late Payment XXXX Account No. XXXX Concern : This account is reporting a late payment that may not be accurate. I request that TransUnion confirm the accuracy of this entry with the creditor and make any necessary corrections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: PA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

Company response to consumer: Closed with non-monetary relief