vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This complaint is in reference to Capital One who is refusing to take my side in a dispute. On XX/XX/XXXX, I purchased a dress from a third party seller - the dress came, was way too big, and not even the accurate dress shown. I decided to return it, and that's when the nightmare began. The seller posted not only XXXX, but XXXX fake XXXX labels.I had used the first label provided, and returned it to XXXX. The label was not even trackable. I had seen the seller upload ANOTHER label AFTER I sent it. It was completely different from the one I was provided which left no proof of return on the XXXX site ( but I had proof I returned it with the original XXXX label as I have my receipt ). I put in an XXXX XXXX claim that was never refunded for over a month, then I put in a dispute with my credit card company ( Capital One ), which then cancelled my XXXX XXXX claim and my credit card won't refund me because " the seller still sent me a dress in good condition ''. Yeah the seller sent me a dress, but the completely wrong dress and wouldn't give me an accurate XXXX to return it so now it is lost! I provided the fake XXXX labels, and my return receipt to Capital One and they immediately cancelled my dispute within minutes again. This seller on XXXX has a habit of doing this as they have horrible reviews!! I will be sending an attachment of the reviews as well. So now I am out of {$67.00} with no help from XXXX or my Credit Card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
I am filing this complaint because a debt collection agency Credence Resource Management # XXXX has continued to contact me regarding an alleged debt even after I sent a formal Cease and Desist Letter under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act. I clearly requested that they stop all communication with me about this account, but they have continued to call, email, or mail me after receiving my written notice.Their continued communication is a violation of my rights under the FDCPA, which prohibits debt collectors from contacting a consumer after receiving a written request to stop. I am requesting that the CFPB review this matter and ensure the company ceases all contact, removes any false reporting from my credit file if applicable, and complies with all federal collection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that are currently reporting on my TransUnion credit file. I did not apply for credit with the companies listed below, nor do I have any existing or active accounts with them. These inquiries were done without my knowledge, authorization, or permissible purpose, and therefore must be removed from my credit report immediately. 

The inquiries I am disputing are : XXXX XXXX  Hard Inquiry dated XX/XX/year> XXXX  Hard Inquiry dated XX/XX/year> I repeat : I did not authorize these inquiries, I do not have accounts with these companies, and I did not submit any applications for credit. These inquiries are damaging and inaccurate. 

Legal Basis for Deletion Under the Fair Credit Reporting Act ( FCRA ) : FCRA 604 ( a ) ( 2 ) & 604 ( f ) require that a credit inquiry may only be made with the consumers written permission or a valid permissible purpose.

FCRA 609 ( a ) ( 1 ) provides my right to request all information in my file, including the source of each inquiry.

FCRA 611 ( a ) requires TransUnion to investigate and delete inaccurate or unauthorized information within XXXX  days. 

Since these companies can not provide any proof of my authorizationas no application or consent was ever madethese inquiries must be removed. 

Notice of Data Breach Exposure Additionally, I want to state that my personal information was included in the recent TransUnion data breach, exposing me to identity theft and unauthorized activity. Because my personal information was compromised, it is even more critical that TransUnion immediately remove fraudulent or unauthorized inquiries from my file. 

Action Requested I am requesting : Immediate removal of the unauthorized hard inquiries listed above. 

A written confirmation once these items have been deleted. 

A copy of my updated credit report after the investigation is completed. 

Please conduct your investigation in accordance with the FCRA and remove these inquiries, which have negatively impacted my credit score and opportunities. I have been trying for months to correct this, and I am requesting your help in resolving this matter once and for all. 

Thank you for your prompt attention. I expect written confirmation within the XXXX period required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Its beyond XXXX  days they still have no explanation its several clients on the internet saying they steal people money this is my tax refund only thing I did was spend my money on what I wanted an helped family an friends I did no fraud anything they holding my hard earn money pass the date they promised with no explanation I dont want to use there platform I want my money release from my tax refund my legit money they holding an they keep giving me the run around I do not want to use there platform I just want my hard earn money to be release they have no reason to hold my money or control how I spend my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
I told them I dont have a utility bill or rent/mortgage in my name for address verification.This account wasnt a new a account it was an existing account from XXXX.They closed my account and wouldnt give my money instead they said they are mail my payroll check that i rely on for food and to pay bills and just get by in everyday life.I still have not received it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: TX

Complaint narrative:
I sent a complaint and showed them proof of scam from a vendor, but they said it was something else than a scam so they rejected my complaint. I sent {$55.00} to a vendor ( foreign currency exchange ) in XXXX. 

XXXX User : XXXX

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

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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

Complaint narrative:
The info wasn't accurate and it possibly be could be a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
Money was stolen from my bank account and a dispute was filed, the end result of the investigation was that my dispute was denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: MI

Complaint narrative:
I have cash app, which I just recently started using more often. I never have a problem using my XXXX I noticed my balance was lower than expected and decided to do calculations before contacting customer service just to be sure and know how much was missing. I let them know the problem and went through all of my transactions step by step with a representative named XXXX ( including deducting the money I spent with XXXX yesterday which was {$25.00} ) this transaction is also listed on my statement as complete but either way I did the math and we did it together over the phone. She still went on to say that it was a charge from XXXX, but there is only XXXX charge of {$25.00} and I deducted that when doing the calculation. Theres no telling how many times this has happened or how much money they owe people for deducting charges XXXX  or more without knowing. If I hadnt been paying attention earlier I would have never realized this money was missing.

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

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: Bilt Technologies, Inc.
State: CA

Complaint narrative:
I was considering using Bilt.com for payment of rent to get credit card points for my rent payments. I created a Bilt.com account and attempted to link my rent payment portal to see if it was compatible. Bilt confirmed the portal connection worked, but when I checked how much the payment fee was ( ~ {$130.00} to process my rent ) I decided I wasnt interested.

A few days later my rent was due and I went to my normal rent portal, XXXX, and paid my rent.

Several days later I noticed a credit card charge for roughly {$130.00} more than my rent to Bilt.com.

I did not add Bilt as a payment option to my rent portal but it appears they did it in my behalf without my consent, and changed my primary payment method to them. 

I did not check this when I paid my rent because I only had XXXX payment option in my portal : my checking account. 

I have pursued resolution with Bilt.com and they said they can reject the payment but I will be liable for a bad check fee.

At no point did I consent to the addition of Bilt to my payment options, or to the use of their services and ridiculous fee.

I requested a refund of the fee only as not to impact my relationship with my landlord and to be subject to a bad check fee for a payment they deliberately coerced me into, but five days later I have yet to get a resolution.

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

Complaint narrative:
I am following up regarding multiple unresolved disputes on my credit reports, which continue to contain unauthorized inquiries, inaccurate account information, and misleading or conflicting reporting that violate my rights under the FCRA and FDCPA. My reports include numerous unauthorized XXXX  inquiries, such as Stellantis on XX/XX/XXXXXXXX XXXX XXXX on multiple dates, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and others, many of which are duplicates or misattributed, with no permissible purpose, in violation of FCRA 604 ( a ), 605 ( a ), and 611. In addition, several accounts are reported inaccurately : my XXXX  account ending XXXX shows a XXXX late payment on XX/XX/XXXX despite timely payment ; my XXXX XXXX account ending XXXX shows a XXXX late status inconsistent with my confirmed last payment on XX/XX/XXXX ; my XXXX account ending XXXX is listed as a Collection/Charge-Off while still appearing structurally open ; my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account shows late payments despite being fully closed and paid ; my XXXX XXXX XXXX repossession account is reported without proper verification or documentation ; my XXXX account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX  shows multiple late payments despite consistent and timely payments between XX/XX/XXXX and XX/XX/XXXX ; and my charge-offs and collection accounts from XXXX  XXXX, XXXX XXXX, XXXX  XXXX, and XXXX XXXX XXXX XXXX contain conflicting balances, missing or inaccurate dates of first delinquency, and lack proper validation , violating FCRA 605 ( a ), 605 ( c ), 607 ( b ), 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 623 ( a ) ( 5 ), 623 ( b ) and FDCPA 807809. Despite my prior disputes and submission of documentation, these errors remain uncorrected, misrepresent my payment history, harm my creditworthiness, and create ongoing financial obstacles.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have tried to settle my debt numerous times by paying the amount, but they try to add extra holding fees of {$200.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 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: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Midland credit management has failed to provide any documents i requested on XXXX i requested for a chain of title or assignment or original contract under FDCPA there not legally allowed to collect all there doing is harassing me the account should be deleted

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

Complaint narrative:
. Issues Identified Across Reports Incorrect Personal Information Different names reported across bureaus. 

Employment information inconsistent ( XXXX XXXX XXXX XXXXXXXX XXXX vs. XXXX ). 

Multiple incorrect addresses reported Only one valid address exists Account Inconsistencies XXXX XXXXXXXX XXXX Reported differently across all three bureaus ( account numbers, payment history, remarks, balances ). 

Inconsistent reporting violates FCRAs accuracy requirement. 

Must be corrected or deleted. 

XXXX ) : Account details ( payment dates, balances, account numbers ) differ across bureaus. 

Inconsistent reporting makes the account unverifiable. 

XXXXXXXX XXXX XXXXXXXX XXXX Account : Account does not belong to me. 

Contains little to no identifying information. 

Reported as verified without explanation of verification method. 

Must be deleted as unverifiable. 

Other Accounts with Inconsistencies XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : account numbers, balances, and payment histories differ across bureaus. 

These discrepancies show inaccurate reporting. 

3. Violations of Law Under the Fair Credit Reporting Act ( FCRA ) : Bureaus must conduct a reasonable investigation of disputed information. 

If an account can not be verified, it must be deleted. 

Reporting inaccurate, inconsistent, or unverifiable information is a violation of federal law. 


5. Supporting Documentation Copy of government-issued ID ( drivers license ). 

Copy of Social Security card. 

Copy of utility bill showing correct address. 

Copy of credit report highlighting disputed items.

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

Complaint narrative:
I just want to Follow up this complaint because all three credit bureaus Experian, Equifax, and TransUnion are reporting inconsistent, inaccurate, and conflicting information regarding several DEPTEDXXXX XXXX XXXX XXXX  accounts, and these discrepancies violate my rights under FCRA 602, 611, 623 ( a ) ( 2 ), 623 ( b ), and 15 U.S. Code 1666a. Experian reports multiple DEPTEDXXXX accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  balances {$5100.00} ; {$6800.00} ; {$1800.00} ; {$780.00} ; and {$2600.00} * * ) all showing the same Date of Last Activity of XX/XX/XXXX, Date Reported XX/XX/XXXX, and late 90, 120, and 150 days, while TransUnion reports these exact same accounts with Date of Last Activity XX/XX/XXXX, Date Reported XX/XX/XXXX, and only late 90 and 120 days, and Equifax reports the DEPTEDXXXX account ending in {$2600.00} with DLA XX/XX/XXXX, Date Reported XX/XX/XXXX, and late 90 and 120 days none of which match one another, proving that at least two bureaus must be reporting errors. In addition, Experian has already deleted all XXXX XXXX accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, yet Equifax still reports XXXX XXXX XXXXXXXX with late 30, 60, and 90 days, and TransUnion continues to report multiple versions of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing late 30, 60, 90 days from differing dates such as XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, none of which match each other or the now-deleted Experian entries. These mismatches different Dates of Last Activity, different reporting dates, different late histories, data shown as deleted by one bureau but active on another, and contradictory timelines demonstrate a complete failure by the furnishers and credit bureaus to follow federal law, investigate disputes properly, correct known inaccuracies, and maintain consistent records as required by the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am submitting this written request for a formal investigation of inaccurate information appearing on my credit report. I am disputing the information listed below because it is incorrect, incomplete, or otherwise not being reported in accordance with the Metro-2 reporting guidelines and the FCRA. Santander Bank has suspicious and illegal practices towards consumers.

Company response to consumer: Closed with explanation