vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Formal Dispute and Investigation Request Bank of XX/XX/XXXX Account # XXXX XXXX XXXX Re : FCRA XXXX, XXXX ( b ), and FDCPA XXXX ( c ) To Whom It May Concern, I am submitting this letter as a formal dispute regarding the accuracy and legality of an account reported under my name and credit file : Creditor : Bank ofXX/XX/XXXX. 
Account Number : XXXX XXXX XXXX Type : Revolving Credit Status : [ Insert what appears on reporte.g., Charged-off, Closed, etc. ] I have reason to believe this account is being reported without proper authorization or a lawful permissible purpose as required by 15 U.S. CXX/XX/XXXXe XXXXb. I have not been provided with documentation verifying that Bank XXXX XXXX obtained or furnished my consumer information in compliance with this statute. 

Under FCRA XXXX ( b ), upon receipt of a consumer dispute, the credit reporting agency is required to : XXXX. Notify the furnisher of the dispute ; XXXX. Conduct a reasonable investigation ; and XXXX. Delete or correct any information that can not be verified as accurate and complete. 



In addition, a cease-and-desist notice has been issued to the furnisher under 15 U.S. CXX/XX/XXXXe XXXX ( c ) of the FDCPA, which prohibits further communication or collection attempts except as required by law. 

Accordingly, I am requesting that your bureau conduct a full reinvestigation of this Bank XXXX XXXX account and provide written confirmation of XXXX of the following withinXX/XX/XXXX days of receipt of this letter : Verified documentation proving the accounts accuracy, authorization, and lawful reporting, or Immediate deletion of the account from my credit report if such verification can not be substantiated. 


Please send me the results of your investigation along with copies of all materials used to verify this account. 

If this information is not verified as required under the FCRA, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for violations of federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Citizens bank Opened a new rental property account in middle of XXXX XXXX XX/XX/XXXX deposited a check. Funds were to be held until XXXX ( understandable it was a new account ) sent new letter they were holding funds because information didnt match other information on the check until XXXX called XXXX no funds and were told by XXXX different supervisors that funds wouldnt be available until XXXX Went to branch and asked for them to just release the funds back to the other bank ( they were withdrawn from that bank on XXXX and they said that it was in the fraud department they didnt know why and they couldnt contact the fraud department ( the bank branch that we were sitting in said this ) and they had no answers They reached out to their regional supervisor and we are still waiting to hear back from them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
my twin sister used my identity to get an apartment without my consent and it has caused me to be without a home forXX/XX/XXXX years. she admitted to me what she had done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: FL

Complaint narrative:
On XXXX XXXX I made my first initial payment to XXXX of {$150.00} that the company never reported to the credit bureau. On XXXX XXXX upon doing my own investigation I found out that XXXXXXXX XXXX another student loan company bought my student loans. Upon filing a dispute with TransUnion XXXX and TransUnion came to the conclusion and informed that they would not be making any changes to my credit. Upon reaching out to XXXX about the payment and trying to gather all information they informed that due to reporting any changes at the end of the month and XXXX XXXX buying my student loans on XXXX XXXX they would not be making any changes and to reach out to XXXX XXXX. Upon reaching out to XXXX XXXX they informed that due to the payment not being made to their company they would not report any changes. Upon reaching back out to XXXX I was informed that a previous representative provided misinformation and that they would be filing a dispute. Upon filing the dispute XXXX once again informed that they would not be making any changes. Upon the initial dispute with TransUnion and XXXX they have refused to report my payment to the credit bureau and continuously states that my payment is in limbo every time I reach out to a representative from bouta companies XXXX and XXXX XXXX. Neither representatives from XXXX XXXX or XXXX have been helpful due to the constant attitudes and disrespect from not providing misinformation and not wanting to provide resources to be helpful or escalate the issue further to be resolved. I have been going back and forth with both companies and I have to report them due to either party being responsible and not wanting to do their job. Due to the false and misinformed reports that have been reported to the credit bureau my credit is depleting and I have been fighting for months to get this issue resolved with either company.

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 2025-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I called and submitted fraud with Chase bank, I advised them of the fraud occurring on my account when I was released from the hospital. My card was stolen from me prior to going to the hospital due to a car accident. When I called they were able to resolve the issue over the phone with me. I advised that I can send proof of being in the hospital for the week, but they advised it was not needed. The previously cleared the fraud issues, but today as of XX/XX/year> the balance has been added back onto my card without correspondence or a phone call. I was unable to call due to being in the hospital, I can send hospital bills that show the week that I was in the hospital. XXXX not sure why this balance is now reflecting on my account when it was previously resolved. 

Please see attached medical bill/ Dr note regarding my hospitalization in AZ when there were purchases on my card in CA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: TX

Complaint narrative:
My personal information was attained through a data breach where hackers had attained and used my personal information to open up multiple lines of credit. Which I was not aware of or approved. 

Account in question XXXX XXXX Acct # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: CA

Complaint narrative:
As the recent data breach I am a victim of identity theft. I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file : Account number XX/XX/XXXX Opened date XX/XX/XXXX Balance {$150.00}XX/XX/XXXXAccount numberXXXX Open date XX/XX/XXXX Balance {$840.00} XX/XX/XXXX Account numberXXXXXX/XX/XXXXOpened date XX/XX/XXXX Balance {$600.00}XX/XX/XXXX ACCOUNT NUMBER XXXXXX/XX/XXXXOpened date XX/XX/XXXX XX/XX/XXXXAccount number XXXXXX/XX/XXXXOpen date XX/XX/XXXX Balance {$640.00} XXXX Account number XXXXXX/XX/XXXX Open date XX/XX/XXXX XXXXXX/XX/XXXX XXXX Open Balance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Dovenmuehle Mortgage, Inc.
State: IL

Complaint narrative:
Reference to the possibility of deed fraud I can not locate the deed to my property I asked for this information on XX/XX/2025 and they ignored me Can you please refer this issue to the Federal Trade Commission as well as the Justice department This bank has provided me with lies ever since the issue was first addressed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc.
State: OR

Complaint narrative:
On or about XX/XX/year>, CarMax Auto Finance and XXXX  updated my credit report with a new remark stating Dispute resolved consumer disagrees and Consumer disputes after resolution. 
This update occurred after the account was closed ( XX/XX/year> ) and while my previous complaint against CarMax ( CFPB Case and SCDCA Case is still pending. 
As a result of this update, my XXXX  credit score dropped by XXXX points. CarMax has repeatedly furnished inaccurate, misleading, and damaging information after disputes were filed, in violation of FCRA 1681s-2 ( a ) and 1681s-2 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Bank ( USA ), N.A.abruptly closed my two oldest credit-card accounts despite 100 % on time payment history and {$0.00} delinquency ( being my longest satisfied accounts ). After unjustified closures ( 2 accounts ), my score dropped -60 points and I was denied new credits. Capital One did not send a compliant adverse-action notice stating specific reasons for closure as required by ECOA 701 ( d ), 15 U.S.C. 1691 ( d ) and Regulation B, 12 C.F.R. 1002.9.

The reporting is inaccurate/incomplete in violation of FCRA 1681e ( b ) and furnisher duties triggered via CRA disputes under 1681s-2 ( b ) ( history suppressed / status wording inconsistent with actual performance ).

I also being the last resort filed an FTC Identity Theft Report No. XXXX as I will upload/attach a Affidavit showing Capital One wilfully ignored ( while litigation ) federal & state laws leading to the FTC ID Report. I am now requesting blocking of identity-theft items under FCRA 605B ( 15 U.S.C. 1681c-2 ) and I am not talking about my 2 100 % satisfied accounts Capital One Bank ( USA ) , N.A., is wilfully inaccurately reporting those accounts as closed ( never justified for closures ), please coordinate with CRAs on the 4-business-day block.

I asked Capital One for a sworn statement that it has not sold or traded my non-public personal information ( NPPI ) and to produce GLBA/Florida FIPA safeguard records ( 15 U.S.C. 68016809 ; Fla. Stat. 501.171 ) given ongoing privacy concerns and a TransUnion data-incident notice ( will attach ). They refused as you will see in the attached affidavit which will show the lengths I went before filing a FTC ID Theft Report etc. Further, I filed a OCC complaint which will also be attached that the CFPB was suppose to take over responsibility as the notice states, which I have yet to hear anything about it which I will be CCing this complaint, etc. to the proper entities/overseeing bodies.The harm the Capital One is still causing while wilfully inaccurately reporting on 2 100 % perfect satisfied accounts, shows the flaws etc of these companies that believe they get away with it everyday. If i have to move forward with a legal claim, I will expedite depositions of your Chief Compliance Officer, Expert witnesses, and expedite discovery before you even get to assigning any council. I have patiently acted in good faith trying to resolve not only the innaccurate reporting but other harm that Capital One is still causing. Attachments : -FTC Identity Theft Report ( # XXXX ) XXXX data incident breach letter - XXXX pages showing closures & score impact - My affidavit & notices ( with dates ) - Perfect-history screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica
State: NY

Complaint narrative:
XXXX XXXX card company closed my card account which I received my XXXX XXXX XXXX  benefits on I updated my XXXX  deposit through social security to my new bank account on XX/XX/XXXX social security sent the payment to the clothes XXXX XXXX account in the amount of {$1800.00} I contacted XXXX XXXX over 50 times to try to get them to return the check from social security back to social security because the account was closed they refuse to send a check back to social security they also refused to send me a check with the funds remaining on the card the clothes card account I went to social security they informed me that XXXX XXXX has process the payment and they can not cancel that payment and issue me a new check on today send the funds back to social security so now they are keeping my XXXX XXXX XXXXXXXX check hostage and they will not release the funds to me all social security so they are just keeping my money which I think is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Tribal Lending Enterprise, Inc.
State: AZ

Complaint narrative:
I applied for a personal loan from Ascend loans on XX/XX/year>. The amount was {$1200.00}. The amount they automatically deduct from my bank account is, {$240.00} twice a month. I have other financial obligations each month that I must pay. My complaint is I believe I am being over charged too much interest on this loan. I believe that the interest charged is XXXX, and therefore is illegal.

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 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am disputing inaccurate credit reporting by XXXX XXXX XXXX This account was included in a civil judgment ( XXXX ) in XXXX XXXX, XXXX XXXX As of XX/XX/year>, payment of {$470.00} was collected by the court toward this judgment, and the case reflects that payments were made toward satisfaction of the debt. However, XXXXXXXX XXXX continues to report this account as charged off and delinquent with an outstanding balance and past-due amount. 

This reporting is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ), as it does not reflect the updated payment status or the courts documentation showing the account has been partially satisfied. I have attached the courts XXXX of Collections letter and my current Experian credit report showing the continued charge-off status. 

Please conduct a full investigation, contact XXXXXXXX XXXX for verification, and ensure this account is updated or deleted for accuracy in accordance with FCRA 1681i and 1681s-2 ( b ).

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 2025-10-12 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX did a hard credit check on my account on XX/XX/year> without my consent. I did NOT go to the dealership this day and I did NOT authorize my credit to be ran.

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 2025-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recoverina lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello my name is XXXX XXXX and i am personally writing this complaint because there are plenty unauthorized and inaccurate accounts reporting to my credit profile and these have hindered my score. This is totally unfair as the credit agencies ( Transunion, Experian, Equifax ) refuse to help me. Please help. I have already created an FTC report. 
FTC # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello my name is XXXX XXXX and i am personally writing this complaint because there are plenty unauthorized and inaccurate accounts reporting to my credit profile and these have hindered my score. This is totally unfair as the credit agencies ( Transunion, Experian, Equifax ) refuse to help me. Please help. I have already created an FTC report. 
FTC # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: CA

Complaint narrative:
I am currently reviewing my Experian, Equifax and TransUnion credit report and there is an address reporting on my credit report that is not mine. 
Below is a the address that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am currently reviewing my Experian, Equifax and TransUnion credit report and there is an address reporting on my credit report that is not mine. 
Below is a the address that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding the closure of my Cash App account, associated with [ XXXX & XXXX ]. On Friday XX/XX/year>, Cash App abruptly and erroneously closed my account without notice or a clear explanation. Despite multiple attempts, I have not been provided with : The specific term ( s ) and condition ( s ) Cash App claims I violated ; Documentation supporting the account closure ; An appeals process or any meaningful way to contest the decision beyond being sent to another agent who reviewed the same information without explanation.

This lack of transparency raises significant consumer protection concerns. Cash App is simply refusing to disclose the basis of its decision and this action is unfair and deceptive.

I am requesting that the CFPB : 1. Require Cash App to provide me with the specific term ( s ) or condition ( s ) allegedly violated.

2. Ensure that any funds being withheld are released promptly.

3. Review Cash Apps account termination and communication practices for compliance with federal consumer financial protection laws.

I have attached supporting documentation ( account communications, screenshots, prior correspondence ) for review. 

Respectfully submitted, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation