vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: MO

Complaint narrative:
I am sending to dispute multiple inaccuracies on my credit report, including an incorrect address listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, when my correct address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX additionally, several accounts are reported with incorrect balances or statuses, including XXXX account ending XXXXXXXX XXXX XXXX XXXX XXXX  showing a charge-off with {$0.00} balance opened XX/XX/XXXX, XXXX XXXX accounts ending XXXXXXXX XXXX XXXX XXXX XXXX  with {$480.00} balance opened XX/XX/XXXX and XXXXXXXX XXXX XXXX XXXX XXXX with {$0.00} balance opened XX/XX/XXXX, XXXX XXXX  XXXX  account ending XXXXXXXX XXXX XXXX XXXX XXXX with {$8800.00} balance opened XX/XX/XXXX, XXXX XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX with {$32000.00} balance opened XX/XX/XXXX, and a XXXX  account ( original creditor : XXXX XXXX XXXX ending XXXXXXXX XXXX XXXX XXXX XXXX  showing {$2200.00} balance opened XX/XX/XXXX, all of which contain inaccuracies in balances, account status, or reporting dates, and these errors are negatively affecting my creditworthiness and causing 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 2025-11-20 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: MO

Complaint narrative:
I am sending to dispute multiple inaccuracies on my credit report, including an incorrect address listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, when my correct address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX additionally, several accounts are reported with incorrect balances or statuses, including XXXX account ending XXXXXXXX XXXX XXXX XXXX XXXX  showing a charge-off with {$0.00} balance opened XX/XX/XXXX, XXXX XXXX accounts ending XXXXXXXX XXXX XXXX XXXX XXXX  with {$480.00} balance opened XX/XX/XXXX and XXXXXXXX XXXX XXXX XXXX XXXX with {$0.00} balance opened XX/XX/XXXX, XXXX XXXX  XXXX  account ending XXXXXXXX XXXX XXXX XXXX XXXX with {$8800.00} balance opened XX/XX/XXXX, XXXX XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX with {$32000.00} balance opened XX/XX/XXXX, and a XXXX  account ( original creditor : XXXX XXXX XXXX ending XXXXXXXX XXXX XXXX XXXX XXXX  showing {$2200.00} balance opened XX/XX/XXXX, all of which contain inaccuracies in balances, account status, or reporting dates, and these errors are negatively affecting my creditworthiness and causing XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express egift card {$100.00} gifted to me on XX/XX/XXXX. Expiration date is in a few years so it's not expired but it is deactivated and can't use due to long time inactivity. 
Three American express gift cards for {$25.00} each gifted to me and it is not expired yet. Total value {$75.00}. Called customer service number in back of gift card and she said it's inactive so the balance is sent to the state... STATE??? WHAT??? 
ALL four cards are not expired and never used. I can't use it nor can I get a refund on the {$170.00} on it. Please help. Thank you. I called today American Express gift card services XXXX XXXX on XX/XX/XXXX and that was my response-due to inactivity it was deactivated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: MD

Complaint narrative:
I am filing this complaint regarding multiple inaccurate, outdated, and unauthorized items reported on my credit files with TransUnion, Equifax, and Experian. My XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX is incorrectly listed as Late Closed despite a {$0.00} balance, violating FCRA 605 ( a ), 607 ( b ), 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ). My XXXX XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) accounts are charge-offs reporting inaccurate balances and dates of first delinquency, in violation of FCRA 605 ( a ), 605 ( c ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), and FDCPA 807, 808, 809. The collection account XXXX ( XXXXXXXX XXXX XXXX XXXX ) is reported with a balance of {$1000.00} but contains outdated or unverifiable information, and multiple hard inquiries from XXXX and affiliates ( including XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX ) were made without authorization, in violation of FCRA 604 ( a ), 605 ( a ), 611, and 609 ( a ) ( 1 ). I have disputed these items with all three bureaus, but they remain on my credit report, causing significant financial harm, inaccurate credit evaluation, and distress.

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 2025-11-20 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: MD

Complaint narrative:
I am filing this complaint regarding multiple inaccurate, outdated, and unauthorized items reported on my credit files with TransUnion, Equifax, and Experian. My XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX is incorrectly listed as Late Closed despite a {$0.00} balance, violating FCRA 605 ( a ), 607 ( b ), 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ). My XXXX XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) accounts are charge-offs reporting inaccurate balances and dates of first delinquency, in violation of FCRA 605 ( a ), 605 ( c ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), and FDCPA 807, 808, 809. The collection account XXXX ( XXXXXXXX XXXX XXXX XXXX ) is reported with a balance of {$1000.00} but contains outdated or unverifiable information, and multiple hard inquiries from XXXX and affiliates ( including XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX ) were made without authorization, in violation of FCRA 604 ( a ), 605 ( a ), 611, and 609 ( a ) ( 1 ). I have disputed these items with all three bureaus, but they remain on my credit report, causing significant financial harm, inaccurate credit evaluation, and distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
A few years ago, I had a Capital One Quicksilver credit card. I disputed a transaction on my account, and Capital One told me they would send me a replacement card. Before the replacement card arrived, I left the country for a trip. While I was away, multiple unauthorized charges appeared on my account, including XXXX XXXX transactions. I did not make these transactions and could not have made them because I did not have the replacement card, and I was not in the country at the time. I immediately contacted Capital One and explained that I was out of the country and did not have the replacement card in my possession. I never added the card to XXXX XXXX, and no one was authorized to use my account. Despite this, Capital One repeatedly denied my fraud claim and stated that the transactions were valid because they appeared as XXXX XXXX charges. This explanation does not make sense because the replacement card was never activated or in my possession when the charges occurred. 
I requested information about how these transactions were approved, how the card was added to XXXX XXXX, and details of the investigation. Capital One did not provide this information. Instead, they held me responsible for charges I did not authorize. The account was eventually closed with an outstanding balance of around XXXX XXXX which has negatively affected my credit for years. 
Recently, I was approved for a new Capital One credit card, but I am unable to activate it. I believe this is because of the unresolved issue on my previous account. I am requesting that Capital One properly re-investigate the original fraud claim, remove the fraudulent charges, correct any negative credit reporting, and resolve the outstanding balance that resulted from unauthorized transactions. 
I am seeking CFPB assistance because Capital One did not conduct a fair investigation, did not provide the information I requested, and continues to hold me responsible for transactions I did not make.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Eastern Account Systems of Connecticut, Inc.
State: AR

Complaint narrative:
Eastern Account System I is furnishing fraudulent and contradictory information across XXXX XXXX XXXX XXXX  reports an account opened XX/XX/XXXX with a {$340.00} balance and masked account number, while XXXX  reports a closed account opened XX/XX/XXXX with the same {$340.00} balance but a different account number ( XXXX ). XXXX further misclassified the account as XXXX XXXX, falsely implying legal authority. I never opened this account. These discrepancies show misreporting, lack of verification, and deceptive furnishing practices.This fraudulent tradeline appeared in XX/XX/XXXX while I had an active fraud alert and free alert on my credit file. Bureaus are required to take extra steps to verify identity before adding new accounts, yet this account was reported anyway. This demonstrates that XXXX XXXX XXXX failed to follow required verification procedures under the FCRA.The contradictory reporting includes different account numbers, different open dates, different statuses ( XXXX shows Collection account, past due while XXXX shows Past due, closed ), and different loan type labeling ( XXXX XXXX ). These misclassifications and contradictions violate FCRA Sections 605 ( a ), 605B, 607 ( b ), and 611. Screenshots from both bureaus are attached to show the fraud and procedural violations clearly.This account shows no payment history, which is inconsistent with a valid tradeline. Please delete this unverifiable and fraudulent account immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Old medical accounts from XXXX XXXX XXXX XXXX that were settled, paid in full and discharged in bankruptcy keep being sold to multiple collection agencies and keep reappearing on my credit report damaging my credit score and report I am disputing inaccurate or unverifiable information on my credit file. Please provide full documentation proving the accuracy of each account, including original signed contracts, payment histories, and supporting records. If you can not verify, the accounts must be deleted immediately under FCRA 607 ( b ), 609, and 611.

According to Law FRCA section 605B it is illegal to report on my credit report without my permission please remove this from my credit report thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CA

Complaint narrative:
This is a follow-up complaint regarding Transunion continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Transunion repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Transunion to potential regulatory and civil liability.

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 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/year>, I requested two XXXX withdrawals from XXXX to my Cash App Card account. 
XXXX confirmed both withdrawals were successfully sent to my Cash App account using these reference numbers : {$320.00} Ref : XXXX {$230.00} Ref : XXXX These were XXXX deposits sent TO my Cash App routing/account, not Cash Card purchases and not transfers back to XXXX. XXXX stated these reference numbers are the only proof they provide for XXXX payouts, and they confirmed the payments left their system successfully. 

I contacted XXXX, my linked bank, and XXXX confirmed that neither deposit ever reached my bank. This means the funds are stuck at Cash Apps processor or were never applied to my Cash App account. 

I have repeatedly requested that Cash App locate these missing XXXX deposits using the reference numbers above and escalate the issue to their Direct Deposit / Payments Investigation Team, because normal support agents can not view XXXX credits. 

Cash App continues to respond that they can not see any XXXX transactions, and keeps redirecting me back to the sender, even though XXXX is not able to recall or trace the funds once sent. Cash App has not performed a trace, has not escalated the case, and has provided no investigation into where the money went. 

At this point, both deposits remain missing, and I have not received the funds or any explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: PA

Complaint narrative:
I am formally disputing inaccurate and incomplete information reporting on my credit file in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) including Sections 602 ( A ), 605 ( A ), 607 ( b ), 611, and 623 ( a ) ( 1 ) ( A ). After reviewing my report, I identified errors that do not meet the federal requirement of maximum possible accuracy and must be corrected or deleted if not fully verified with documented evidence.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Under FCRA 623 ( a ) ( 1 ) ( A ), no furnisher may report information that is inaccurate or can not be fully substantiated. I request to validate the ownership, balance accuracy, dates, original contract, charge-off calculation, and full payment history directly with the original creditor not with a third-party system or assumed data. If can not provide verified and documented proof supporting this listing, then it must be deleted under FCRA 611 ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
We purchased a XXXX XXXX XXXXXXXX on XX/XX/XXXX, XXXX within two weeks we noticed serious mechanical and safety issues within two weeks. The dealership delayed repairs for weeks, told me not to drive the car far because the vehicle was unsafe and kept the vehicle for going on two months. I have had significant loss of income due to not having my vehicle. I notified Capital One Auto Finance of the situation, but they stated they do not get involved in stuff like that. Capital One is threatening repossession even though the vehicle has been in the dealership 's possession for repairs and I have been unable to use it. I am requesting CFPB assistance to stop repossession while the dispute and repairs are pending, Ensure Capital One investigates properly, and ensure the lender does not penalize me for circumstances outside of my control. I have been truthful and forthcoming during this entire experience. I also mailed a packet to them certified mail explaining in detail with a copy of a signed sworn and notarized Affidavit of Events.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: CO

Complaint narrative:
The property management company for XXXX XXXX XXXX ( managed by XXXX XXXX XXXX XXXX XXXX ) sent an incorrect rental balance to a third-party debt collector, XXXX XXXX XXXX XXXX XXXX though the alleged debt is not owed. My six-month fixed-term lease ended on XX/XX/year>, and under Colorado law ( C.R.S . 13-40-107 ( 4 ) ), no notice is required for a lease ending on a fixed date. 
Despite this, I contacted the property manager multiple timesincluding on XXXX XXXX request the correct prorated rent amount for XXXX, since I knew I would be vacating on the contractual end date. They did not respond or provide the prorated amount. 
On XX/XX/year>, I sent a certified letter to XXXX XXXX along with a {$2000.00} cashiers check covering all prorated rent and utilities through XX/XX/XXXX. Management deposited the check on XX/XX/XXXX, confirming full payment. 
Despite this, XXXX XXXX added improper charges, failed to provide any itemized statement, did not return my {$750.00} security deposit as required by Colorado law , and sent a false balance of {$610.00} to IQ Data International . 
On XX/XX/year>, IQ Data International called attempting to collect this debt. I requested verification and an itemized explanation, but none has been provided. The debt is based on inaccurate and unlawful charges. This incorrect collection activity has caused stress, administrative burden, and concern about potential credit impacts. 
I am requesting that the collection effort stop, that the debt be removed, and that all records reflect that my account is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: MS

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX had shown to me ( in email ) that they have sent information to all 3 Credit bureaus confirming that I have never been 30 days late. Credit bureaus refuse to correct their reporting of this misinformation and refuse to correct their mistakes. 
I am sick of this fight trying to prove I have never been 30 days late. I have sent documentation showing I have never been late. The credit bureaus inform me that XXXX is reporting me that I was late. 
XXXX informs me they are NOT reporting that I was late. XXXX also provided proof of them reporting that I was NEVER late. 
During COVID lockdown I could not fly back to XXXX for my job so I was not receiving a paycheck. I had spent all my savings during the lockdown to survive. I did not get any government assistance. I went to XXXX BEFORE I was late to get a forbearance and was granted this assistance, I was informed that I would not be reported as ever being late because I got ahead of the situation and received my forbearance BEFORE I was late. Why am I being reported as late during the COVID crisis when I received a forbearance?

Company response to consumer: Closed with explanation