vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, I attempted to make purchases using my Best Buy Citi credit card on BestBuy.com. 
All my orders were suddenly canceled without my consent, and shortly after, my Best Buy credit card was restricted. 

A verification call came from XXXX ( XXXX ) XXXX. 
The representative spoke extremely fast with a heavy accent. I could not understand him, so I said : I dont understand what you are saying.

Instead of repeating or verifying my identity properly, he hung up immediately and never called back.

After this call : All my orders were canceled My account was restricted My Best Buy Citi card could no longer be used Any new order I placed was automatically cancelled I contacted Best Buy customer service three times, but each time I was told something different : Wait 24 hours.

We will contact you in 35 days.

One agent even hung up on me.

I also contacted Citi Best Buy credit card customer service two times.

Both representatives told me they can not help because only Best Buys verification department can remove the restriction. 
However, I have no way to contact the verification department myself and was simply asked to wait. 

This situation has caused serious inconvenience during the XXXX XXXX period and prevented me from making necessary work-related purchases. I still can not use my card. 

I am requesting : Restoration of my credit card usability Removal of the hold placed after the mishandled verification call A clear explanation of why my account was restricted without proper verification The company has not provided any solution despite multiple attempts.

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 2025-11-21 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I opened a Capital One checking account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I pay for show fees, vet bills, dog food, show supplies, show fees, and more. A friend wanted a puppy, so we planned on getting her a puppy. She sent me money through XXXX. I also deposited money from my own personal checking account. I received notification that someone needed to speak with me about the account. I called and the person started asking me a lot of questions about how long I've known this person, why they are sending me money, etc. I tried to explain, and they said that my account was now under investigation and I wouldn't be able to receive my money until the investigation was complete. 
I contacted my friend and asked if they could cancel the XXXX amount or check if it had cleared their bank. They informed me that it had already cleared their bank. I could see on my end that Capital One had received the money. I could also see the {$200.00} I deposited. Capital One sent me a message informing me that they were terminating business with me and closing my account. They did not inform me of when or how I would receive my money. I called today and asked about this. The person I spoke to said my account was under investigation. I asked why and what I had done wrong. She stated she couldn't share details of the investigation. She then transferred me to a supervisor. I spoke to the supervisor, and the supervisor said it was XXXX that was holding the money. However, I can clearly see that isn't the case. She said they were just trying to protect me from fraud. I said, closing my account and ending my relationship with you, and refusing to answer my questions was not protecting me. I kept informing her that they are illegally holding my money without giving me a clear explanation as to why. She continued to say it had something to do with XXXX. However, that is not what was told to me in the beginning, and XXXX was never brought up before I threatened to report them for holding my money. I asked the supervisor if I had done anything illegal. She said, " No. '' So when I asked about the money, she said it would be released when the account was closed. However, I received a notification that the account would be " closed soon '' on Wednesday, XX/XX/XXXX. It also stated they would not release funds until they had finalized their investigation. They stated in the email, I would receive a check 7-10 days after they finalize their investigation. When I asked what was being investigated and why, the supervisor wouldn't answer me. When I realized I was not going to receive a clear answer, I ended my conversation and informed them I was submitting a formal complaint. As of XX/XX/XXXX, I have not received the {$1200.00} that is in my account. They will not tell me when the investigation will end or why it is still taking place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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 writing to formally dispute the continued reporting and accuracy of the following accounts on my credit report. These accounts are either inaccurate, obsolete, or unverifiable and must be removed in accordance with the Fair Credit Reporting Act ( FCRA 605 ( b ) ), which prohibits the reporting of outdated or inaccurate negative information. 
Please investigate and remove the following accounts : XXXXXXXX XXXXK Account # XXXX XXXX XXXX XXXX Account # XXXX These accounts are being reported in violation of FCRA 607 ( b ) and Metro 2 compliance standards, which require furnishers and credit bureaus to ensure maximum possible accuracy of all information reported. Any unverifiable or inconsistent data must be deleted immediately. 
I respectfully request that these accounts be fully investigated and, if found obsolete or unverifiable, removed within XXXX ( XXXX ) business days of receipt of this letter, as required under federal law. Continued reporting of inaccurate or unverifiable data constitutes willful noncompliance under FCRA 616 and 617.

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 2025-11-21 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 writing to formally dispute the continued reporting and accuracy of the following accounts on my credit report. These accounts are either inaccurate, obsolete, or unverifiable and must be removed in accordance with the Fair Credit Reporting Act ( FCRA 605 ( b ) ), which prohibits the reporting of outdated or inaccurate negative information. 
Please investigate and remove the following accounts : XXXXXXXX XXXXK Account # XXXX XXXX XXXX XXXX Account # XXXX These accounts are being reported in violation of FCRA 607 ( b ) and Metro 2 compliance standards, which require furnishers and credit bureaus to ensure maximum possible accuracy of all information reported. Any unverifiable or inconsistent data must be deleted immediately. 
I respectfully request that these accounts be fully investigated and, if found obsolete or unverifiable, removed within XXXX ( XXXX ) business days of receipt of this letter, as required under federal law. Continued reporting of inaccurate or unverifiable data constitutes willful noncompliance under FCRA 616 and 617.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this complaint because the following accounts are not mine and are being reported incorrectly on my credit reports. I never opened these accounts, have no knowledge of them, and they belong to someone else with the same or similar name. This is a clear case of mixed-file errors, identity confusion, and factual inaccuracies, which courts and regulators have recognized as legally actionable. 

XXXX Charge Off Account # XXXX Balance : {$1800.00}. Reporting on Equifax, Experian, and TransUnion. This account is NOT MINE, I never authorized it, and it is being reported under my name incorrectly. The bureaus have failed to provide any signed application, full SSN match, or verifiable documentation linking this account to me. 

XXXX XXXX  Account # XXXX Balance : {$15000.00}. Reporting on TransUnion and Equifax. This account is NOT MINE, I have no knowledge of it, and it belongs to someone else with the same or similar name. The account numbers and balances are inconsistent and factually incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
I am filing this complaint because my mortgage servicer, Mr. Cooper, failed to process my loss-mitigation request and failed to return a management escalation request, which has contributed to my account becoming seriously delinquent.

I requested a loan modification more than 30 days ago. Representatives at Mr. Cooper verbally acknowledged the request and documented it in their internal notes, but the request was never submitted or processed.

I also requested a call from a manager almost three weeks ago. Their internal notes show that this escalation request was logged, but no one ever called me back.

I am now approximately four and a half months delinquent, and this delinquency has worsened directly because Mr. Cooper failed to act on my loss-mitigation request.

I am at risk of losing my home due to the servicers failure to follow federal servicing requirements. I am requesting CFPB assistance to compel Mr. Cooper to : Explain why my modification request was never processed despite being documented in their notes, Assign me a Single Point of Contact as required under RESPA, and Immediately review and process my modification request without further delay.

I have attempted to resolve this directly with the servicer, and their failures have left me with no option but to seek federal intervention.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash app has denied me a prepaid debit card for OVER a year and will not tell me why or how I can fix the problem. I have called many times just trying to find out how to fix the issue but no one will talk to me. They just tell me no and there's no additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: AL

Complaint narrative:
I am disputing the accuracy of the following charged-off accounts and inquiries reported by Equifax. These entries are incorrect or incomplete, and I request that they be thoroughly investigated and corrected based on the Fair Credit Reporting Act ( FCRA ) guidelines. 

CHARGED OFF ACCOUNTSXX/XX/XXXX XXXX XX/XX/XXXX Balance : {$0.00} INQUIRIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX LATE PAYMENT XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Pursuant to 15 U.S. cXX/XX/XXXXe XXXX ( XXXX ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC XXXX ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Nationwide Capital Services, LLC
State: MI

Complaint narrative:
XXXX used abusive language on the phone. I called XXXX weeks ago and update the payment information.XX/XX/XXXXwas rude and threatening

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 2025-11-21 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: GA

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XX/XX/XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-21 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: TX

Complaint narrative:
I have XXXX Collections ( XXXX and XX/XX/XXXXXXXX XXXX {$190.00}, XXXX and XXXX XXXX XXXX {$350.00} and XXXX XXXX XX/XX/XXXX, XXXX {$480.00} ) resulting in derogatory marks on my credit report as well as XXXX Hard Inquiries that I did not initiate from ( XXXX Bank XXXX XXXXXX/XX/XXXXXX/XX/year>, and XXXXXX/XX/XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
My personal information was exposed in the XXXX XXXX data breach. As a result, unauthorized and fraudulent accounts/collections appeared on my credit report. I did not open or authorize these accounts. This is causing serious harm to my credit score I have disputed the accounts and requested validation, but the credit bureaus and furnishers continue reporting inaccurate information. This is harming my credit score and preventing me from being approved credit. I am a victim of identity theft, and I need this corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXTransUnion Consumer SolutionsXX/XX/XXXXSubject: Follow-Up Request to Block and Delete Fraudulent Accounts  Identity Theft\nVictim\nDear Transunion Consumer Services,\nI am following up on my previous correspondence regarding the blocking and deletion of\nfraudulent accounts and information related to my identity under the Fair Credit Reporting\nAct (FCRA), specifically pursuant to 15 U.S.C.XX/XX/XXXX. I am a victim of identity theft\nbecause of the TransUnion data breach, and unauthorized accounts have been\nfraudulently opened in my name.\nThe fraudulent inquiries that I have identified on my credit report are as followsXX/XX/XXXXUnder 15 U.S.C.XX/XX/XXXXI request that Transunion promptly block and delete the\nfraudulent inquiries from my credit file to prevent further harm to my credit profile.\nFurthermore, I request written confirmation that these accounts have been removed, as well as\nan updated copy of my credit report reflecting these changes.\nIf you require any further information or documentation to process this request, please contact\nme immediately at the phone number or email provided above.\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring\nmy credit report remains accurate and free from fraudulent activityXX/XX/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