vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Paypal Opened a credit card in my name and transfered my balance to it without my knowledge or permission. When I inquired and told them to cancel the credit card they told me they can't. They also told me that I didn't opt out and that's why they opened the credit card account. I never knew I was supposed to opt out and I certainly did not opt in.

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 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Muskegon Car Credit, Inc.
State: MI

Complaint narrative:
Consumer : XXXX XXXX XXXX : XXXX XXXX Account No. : [ XXXX ] Issue : Inaccurate/Incomplete Information on Credit Report I am disputing the reporting of the XXXX XXXX account listed above. This account is being furnished with inaccurate and incomplete information across the nationwide credit bureaus ( TransUnion and Equifax ). 


Specifically, the account data provided by XXXX XXXX is materially different between reports. For example : The account on [ Name of Bureau  XXXX ] is missing key data ( e.g., High Credit Limit or Payment Status ) that is present on the [ Name of Bureau XXXX ] report. 


The Date of First Delinquency ( DOFD ) or Account Balance are inconsistent and vary between the credit reports. 
These discrepancies violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires furnishers to report information that is both accurate and complete. 


I request that XXXX XXXX immediately investigate this systemic reporting failure. As the data is inconsistent and therefore unverifiable as accurate, I demand the deletion of this

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: FL

Complaint narrative:
I am submitting to formally request an investigation and correction of potentially inaccurate or outdated information on my Equifax, Experian and TransUnion credit report. This request is made under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which ensures consumers have the right to dispute any information that may be inaccurate, incomplete, or not properly verified. Please find the accounts in question detailed below for your review. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
During a recorded telephone call I called ask to lower my ARP. The representative stated that they do not lower ARPs. In addition, she directed me to go online to find another credit card with a capital one to transfer the balance too. I also thought about this for a few And I called again to ask questions. I was instructed to go onto Capital One and look for another card that had XXXX APR I could transfer some of my high balance to. on todays date I applied for that XXXXARP card in the parameters that was identified on the website as XXXX ARP transfers the only card that came up within my parameter of the XXXX options I applied for only to find out you cant transfer the balance between Capital One accounts and other Capital One accounts. Why would I be instructed to do something by a company I pay to do business with to do something that would pull a hard credit on me that got me nowhere with this XXXX that is struggling at a high rate with no way to allow them to lower it. I was forced to close my account. I guess I should plan more time to read but the trust was lost because your teams directions. In addition some people are dyslexic and we call for guidance because we believe youll do the right thing that did not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am disputing several inaccurately reported late payments appearing on my credit report. The following accounts are being reported with late or severely delinquent statuses that I believe are incorrect or unverifiable : XXXX ( Account ending in XXXX, Balance {$27000.00}, reported 120 days late ), XXXX ( Accounts ending in XXXX, Balances {$6500.00} and {$3800.00}, reported 120 days late ), XXXX  ( Account ending in XXXX, Balance {$0.00}, reported 30 days late in XX/XX/year> ), and XXXX ( Account ending in XXXX, Balance {$0.00} ). 
Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information that they know or have reasonable cause to believe is inaccurate. If these accounts were already settled, current, or otherwise not delinquent, then continuing to report them as late or 120 days past due constitutes a violation of the Fair Credit Reporting Act.

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 2025-10-18 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: IL

Complaint narrative:
According to FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have the right to request the blocking of information on my credit report that is the result of identity theft.

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 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting to formally request an investigation and correction of potentially inaccurate or outdated information on my Equifax, Experian and TransUnion credit report. This request is made under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which ensures consumers have the right to dispute any information that may be inaccurate, incomplete, or not properly verified. Please find the accounts in question detailed below for your review. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Request for Debt Validation Account # XXXX To Whom It May Concern, I recently noticed an account from your agency listed on my credit report with TransUnion. I am formally requesting validation of this debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide the following : The name and account number of the original creditor The date the debt was incurred and the amount owed Documentation proving that I am legally responsible for this debt Proof that your agency has the legal right to collect this debt Until this information is provided, I request that you cease all collection activity and refrain from reporting or continuing to report this account to any credit reporting agencies. 

If you can not provide proper validation, I request that the account be removed immediately from my credit report. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
XX/XX/XXXX direct deposit XXXX from my employer. I was paid by error at the time the bank did not return the check to the company as requested so i agreed to repay the funds. I did repay the funds. I have been unable to access my online statements for some time finally i was able to and i see where the check had been debited from my account. I contacted my employer to get my check. After a month of digging and providing proof i have been told the employer has not received the check back. It was returned to regions in XX/XX/XXXX for deposit. I call the hotline for the bank there is nothing they can do. I go to the branch in XXXXXXXX XXXX XXXX tellers both states yes they see where the employer returned the check but can not tell me why is was not credited to my account. Then they can not see anything and will have to contact a third party to investigate but they were getting busy so they would call me. Looking at my options i decided to report the fraud to the bank since no one has called me and and i was told again she doesn't understand nothing she can do. I asked to speak with a manager, manager refused to get on the phone with me advised me to go to the branch. I will go to the branch on Monday but no one at the banking company can tell me why my entire direct deposit was not put in my account or why it was not returned to the company. This is theft of wages. I earned this money and all the proper paperworkb to ensure i received my funds yet i did not receive the funds. Checks were returned on my account because of the deduction of this check which began me losing my transportation. This is unacceptable. I was struggling for sure i had no idea at the time the bank had withdrawn the direct deposit. I did not receive Any notifications and could not access my statements for months after that. I was due a refund on my account in XX/XX/XXXX that it took me XXXX months to get straight due to bank employee error after error and each person i spoke with told me a different story which is what caused me to check all of my statements which is how i found my missing money. It is like getting information from the Russian mob to get any info from Regions, no one has the same story. This is bad business. They can't do anything on the phone not can they do anything at the branch so who is it that i need to speak with to get my money? All posted numbers and branches are useless in getting resolution

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 2025-10-18 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: VA

Complaint narrative:
I am filing this complaint because XXXX  is reporting unauthorized hard inquiries that I never approved or initiated. These inquiries were not connected to any credit application or permissible purpose under the Fair Credit Reporting Act ( FCRA ). XXXX  has failed to properly verify or remove these items despite my dispute, violating FCRA Sections 604 ( a ) ( 3 ), 607 ( b ), and 611 ( a ) ( 1 ) ( A ). 

ADDRESSES XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This address is inaccurate and unrelated to any of my past or current residences. By including this address, XXXX  has violated the duty of accuracy required by law. Under FCRA Section 611, you are required to conduct a reasonable reinvestigation and remove unverifiable or false information. Leaving this address on my report creates confusion and can lead to false associations with unknown accounts or inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This address is not mine, and it appears due to possible reporting errors or data cross-matching. Reporting false addresses is a direct breach of FCRA Section 604 ( a ) ( 2 ) and 607 ( B ). The appearance of this address misrepresents my identity and causes potential harm when lenders or employers review my report. I demand its immediate deletion to maintain compliance with the law. 

INQUIRIES XXXX XX/XX/2024 This inquiry was not authorized, nor do I have any relationship with this entity. FCRA 604 ( f ) prohibits reporting such information without a legitimate reason. Reporting this inquiry is misleading and violates the law ; therefore, it must be permanently removed. 

XXXX XX/XX/2024 This is another repeated, unverified inquiry. Duplicate entries create confusion and make my report appear as if multiple credit applications were made when none occurred. Under FCRA Section 604 ( a ), only legitimate, consumer-authorized inquiries may appear on a report, and this does not qualify. 

XXXX XXXX XX/XX/2024 I did not provide any authorization to this company to access my credit report. This inquiry was made without permissible purpose in violation of FCRA Section 604 ( a ) ( 3 ). Such an unauthorized pull demonstrates negligence and should be deleted immediately to restore accuracy to my file. 

These unverified inquiries harm my credit and show XXXX failure to maintain accurate reporting. I request the CFPB to investigate and ensure XXXX removes these inquiries immediately and complies with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft and have a police report or FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was charged {$560.00} for a four day rental on XX/XX/year>. Capital One lacked providing accurate details on the dispute status from the merchant. I have emails sent with documentation of the rental reservation and total for the booking. Capital one failed to communicate with me and allowed the merchant to steal my money by closing the dispute case without reaching out about the proof I provided in the secured email to send documents. Capital One favored with the merchant even when I submitted all the supporting documents. The merchant stated after the dispute closed they have then processed a refund of {$410.00} on XX/XX/year> that Capital One is stating has not been received. This has been an ongoing issue since XXXX. What is the point of a dispute when customer provides supporting documents and the merchant lacked but the CAPITAL ONE CREDIT CARD DISPUTES DEPARTMENT lacked proper investigation that resulted in customer/consumer being robbed of their money. I have made several conferenced calls between XXXX and Capital one proving the money is owed to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
XX/XX/year> we started a modification during a divorce All information was sent to XXXX XXXX per mortgage company. Per then XX/XX/year> papers were se t to be filled out and a request for divorce info. Well after digging found out it was not sent and divorce was not finalized to last of XXXX All payments were made but XX/XX/XXXX I get foreclosure papers 2 days after a modification video was sent to start payments XX/XX/year> again. The date of XXXX XX/XX/XXXX. So of course XXXX was added to the total for fees. None of this sounds correct. I have called many times telling them I live in the home in question and papers need to be sent to me. Those fees need to be taken off. All modifications that ended in fees should be take. Off because I was not ever informed or contacted. 



I dont know how XXXX person is able to defer, modify, with no communication or approval from the other one. Now I was told foreclosure was postponed to XX/XX/XXXX while in modification. It is still listed on Auction. The modification is from XXXX now. When I talked to someone at Shellpoint they told me it is in foreclosure as long as it is in modification?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: WA

Complaint narrative:
My Cash App account was suddenly locked and {$500.00} was frozen after I sent a {$4.00} payment to a friend with the memo XXXX Iranian children. 
This was an obvious joke between friends, not a real purchase or violation of policy. 

Since then, Cash App has refused to release my funds or provide a clear explanation. Ive contacted support at least XXXX times over XXXX weeks and each time they give inconsistent answers : some say a claims specialist will reach out, others say theres no claim at all. They refuse to give a phone number for the team handling it. 

This hold has caused serious hardship I cant buy food, pay bills, or put gas in my car to get to work. I have complied with all requests for information and confirmed the purpose of the payment and my relationship with the recipient. 

I am requesting immediate release of my {$500.00} or a written timeline for resolution. Cash Apps lack of communication and indefinite hold are unreasonable and financially harmful. 


i filed a complaint with you and the company responded with an insufficient answer, here it is : Thank you for bringing your concerns to our attention through the Consumer Financial Protection Bureau ( CFPB ). We take every complaint seriously and are committed to providing a resolution to this matter. We are currently reviewing the details of your complaint and require additional time to conduct a thorough investigation. Please be assured that your complaint is important to us, and we are actively working to address the issues you have raised. We anticipate that we will be able to provide a comprehensive response within XXXX days of the original submission of your complaint. Thank you for your patience and understanding as we work to resolve this matter. 

Cash App is continuing to hold additional incoming funds from a friend and instead of blocking the transaction due to the account being locked, they authorized it ( {$100.00} as of XX/XX/year> ) and is refusing to release or refund the money. I have complied with all verification requests, but they have provided no explanation or timeline. This is causing severe financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: AR

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
This inaccurate entry must be deleted from my credit record. I never approved or authorized it. Supporting proof is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: NJ

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: NJ

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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