vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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: PA

Complaint narrative:
I am writing to dispute the following credit inquiries listed on my credit report. I believe these inquiries are either unauthorized or inaccurate, and I request that they be removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

List of Inquiries : XXXX  XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX date : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Please investigate these inquiries and remove any that were not authorized by me. 

Thank you for your prompt attention to this matter.

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 2025-10-15 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: PA

Complaint narrative:
I am writing to dispute the following credit inquiries listed on my credit report. I believe these inquiries are either unauthorized or inaccurate, and I request that they be removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

List of Inquiries : XXXX  XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX date : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Please investigate these inquiries and remove any that were not authorized by me. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-10-15 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: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-10-15 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX -Date Opened XX/XX/XXXX -Balance {$500.00} XXXX XXXX  XXXX -Date XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX -Date Opened XX/XX/XXXX -Balance {$38000.00} UNAUTHORIZED INQUIRIES : XXXX XX/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
Consumer complaint received 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
Taking money off my card cash app has been ripping people off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Td took a XXXX check and deposited into a bank account that was created online. After the deposit did they check? They told me that I can not open a bank account with them. I asked them if I should just cancel the check. They told me no that in seven days it should clear. After 14 days of the check clearing and the bank confirming that the check has cleared also the bank supervisor called the issuers bank to confirm that it was cleared even after all this they are unwilling. give me a check that has been processed on both the issue aside and my side even after 14 days of holding onto it they are unwilling to give me any paperwork saying what is needed and they are refusing for me to speak to anyone indirectly as they say, their department is inaccessible to anyone outside of the bank. So as of right now, Im left with no answers and no one to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I regret to inform you that I am contesting any information on my credit report that lacks substantiation, in line with both the FCRA and the established Metro 2 data field reporting standard. Regrettably, I can not acknowledge or accept the allegations of delinquency and derogatoriness without proper factual documentation. I implore you to ensure that all claims are both accurate and in compliance with federal and state regulations, as it is legally mandated. Moreover, I respectfully request physical, verifiable evidence to substantiate the account 's existence and its legitimate usage. If such evidence is not provided, I earnestly ask for the removal of this account from my credit report. Furthermore, I hereby grant you authorization to send me physical documentation regarding your actions and any updates to my credit report. Your prompt attention to this matter is greatly appreciated. 

PORTFOLIO RC - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am submitting this formal complaint pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ) regarding the presence of inaccurate, fraudulent, or otherwise unverifiable accounts appearing on my consumer credit report.

I have identified information in my credit file that I did not authorize, that does not belong to me, or that can not be properly verified by the credit reporting agencies or furnishers. This information is damaging, inaccurate, and must be removed in accordance with federal law.

Under 15 U.S.C. 1681i, consumer reporting agencies are required to : Conduct a reasonable reinvestigation upon notice of dispute ; Verify the accuracy of disputed information with the furnisher ; and Promptly delete or correct any information that is inaccurate or can not be verified.

Additionally, under 15 U.S.C. 1681c-2, agencies are prohibited from reporting information that results from identity theft or that can not be substantiated. Even without a formal identity theft report, any information that is unverifiable must be blocked or deleted. 

I am attaching copies of my identification and Social Security documentation to verify my identity for this dispute. I am not required to identify each individual inaccurate item at this stage ; the credit reporting agencies are responsible for verifying or removing disputed data once notified. 

I am requesting that the CFPB ensure that [ XXXX XXXX XXXX XXXX XXXX ] : Conduct a prompt and thorough reinvestigation of the disputed information ; Delete any and all unverifiable or inaccurate information from my credit file ; Provide me with written confirmation of the investigation results in compliance with FCRA deadlines. 

Failure to comply with the FCRA constitutes a violation and may result in civil liability under 15 U.S.C. 1681n and 1681o.

I respectfully ask that the CFPB intervene to ensure the credit reporting agency fully complies with federal law and removes all unverifiable data from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
I purchased a home in XXXX, FL in XX/XX/XXXX. On XX/XX/XXXX, a year later, the mortgagor wants to know who to issue the insurance escrow amount to. I thought that they would pay the insurance company automatically used from the sale of the house in XXXX XXXX, only to discovered that the insurance company canceled the insurance back in XX/XX/XXXX. The house was uninsured from XX/XX/XXXX to XX/XX/XXXX, unbeknownst to my mortgager, and myself. I've subsequently secured insurance for the period of XX/XX/XXXX to XX/XX/XXXX. The contention is that my mortgagor wants me to pay pay {$2500.00} for a " force-placed '' insurance on a time period that has long past, namely XXXX XXXX. It's like me paying insurance on a car that was already driven, or pay for a meal I didn't eat. They claim that the contract says the property needs to be insured for the life of the loan. The loan now has 29 years to go not 30. I thinks it's absurd for me to pay {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Unauthorized Holding of Funds and Lack of Resolution Regarding Account Closure ( XXXX Months ) COMPANY NAME : Capital One, N.A . 
ACCOUNT TYPE : Checking Account APPROXIMATE AMOUNT HELD : {$20000.00} Summary of the Issue Capital One has been unlawfully holding {$20000.00} of my deposited funds for over three months ( since XX/XX/year> ) following the immediate closure of my checking account due to a stated " fraud investigation. '' Despite repeated contact, the bank refuses to provide a timeline for resolution or allow me access to the relevant fraud department to provide necessary documentation, causing severe financial hardship. 

Detailed Timeline of Events Date Action Taken Result/Capital One Response Early XX/XX/year> Deposited a check in the amount of {$20000.00} into my Capital One checking account. The check was issued from my secondary account at XXXX. 

Capital One accepted the deposit. 

XXXX 2025 The check cleared successfully at the issuing bank, XXXX, confirming the funds were transferred and legitimate. 

The Capital One account was abruptly closed, and a fraud investigation was initiated regarding the deposit. 

XX/XX/year>XXXX XXXX  Began calling Capital One customer service every other week to check on the status of the " investigation '' and request the release of my funds. 

I am consistently told by representatives that there is " no time frame '' for the investigation 's completion. 

XX/XX/year> Capital One released a partial amount of {$5000.00} from the account. 

The remaining balance of {$20000.00} remains held by Capital One without any explanation, timeline, or due process. 

XXXX - XX/XX/year> Continued weekly contact with customer service, explicitly requesting a way to contact the fraud department to provide proof ( e.g., the XXXX clearance confirmation ) to expedite the investigation. 

Capital One representatives state they can not provide access to the fraud department, leaving me unable to resolve the investigation. 

Impact and Financial Hardship : The unauthorized holding of {$20000.00} for over three months is causing significant financial distress. I am currently living paycheck to paycheck and this lack of access to my personal funds prevents me from meeting essential financial obligations, including credit card bills which are now accruing late fees and interest. The lack of communication regarding a resolution timeline is unacceptable. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-15 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: UT

Complaint narrative:
I am submitting to formally dispute the accuracy, completeness, and legal validity of certain information currently being reported on my Experian, TransUnion and Equifax credit report. After carefully reviewing my file, I have identified entries that appear inaccurate, inconsistent, and unverifiable under the Fair Credit Reporting Act ( FCRA ). I am therefore requesting a full reinvestigation and correction of the items listed below. 
XXXX. Inaccurate and Unverifiable Collection Account The following account is being reported as a collection : XXXX  XXXXXXXX XXXX XXXX Balance {$72.00} Original Creditor XXXX XXXX XXXX. Unverified and Potentially Unauthorized Inquiries I am also disputing the following hard inquiries that appear on my credit report : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/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 non-monetary relief
Consumer complaint received 2025-10-15 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: UT

Complaint narrative:
I am submitting to formally dispute the accuracy, completeness, and legal validity of certain information currently being reported on my Experian, TransUnion and Equifax credit report. After carefully reviewing my file, I have identified entries that appear inaccurate, inconsistent, and unverifiable under the Fair Credit Reporting Act ( FCRA ). I am therefore requesting a full reinvestigation and correction of the items listed below. 
XXXX. Inaccurate and Unverifiable Collection Account The following account is being reported as a collection : XXXX  XXXXXXXX XXXX XXXX Balance {$72.00} Original Creditor XXXX XXXX XXXX. Unverified and Potentially Unauthorized Inquiries I am also disputing the following hard inquiries that appear on my credit report : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synovus Bank
State: TX

Complaint narrative:
Follow-up Account remains reported negatively despite correspondence with XXXX  and First Progress I submitted a written dispute and settlement request to XXXX XXXX XXXX regarding a collection account related to my First Progress credit card. XXXX received my first certified letter on XXXX XXXX XXXX, and I followed up several times by email.

On XXXX XXXX XXXX, First Progress responded stating their investigation concluded the account is valid, but they did not provide the documentation validating the debt nor agree to delete the tradeline upon settlement ( Pay for Delete ). XXXX has indicated they do not control credit reporting and referred me to First Progress. 

Despite my attempts to resolve this, neither company has agreed in writing to delete the tradeline upon settlement or provided full validation. I request CFPB assistance to require First Progress and XXXX XXXX XXXX to ( 1 ) provide full validation documentation or ( 2 ) remove or correct the negative tradeline if they can not validate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: OLD NATIONAL BANCORP
State: MN

Complaint narrative:
Subject : Complaint Regarding Misleading Account Opening and Bonus Denial by Old National Bank Dear CFPB, I am writing to file a complaint against Old National Bank ( ONB ) regarding misleading account opening information and unfair denial of promotional bonuses. 
On XXXX XXXX XXXX I visited the XXXX XXXX branch of Old National Bank to open a new checking account that qualified for a promotional offer. The promotion stated that if I deposited {$3500.00} per month for three consecutive months, I would receive a {$650.00} bonus, and if I deposited {$1000.00}, I would receive a {$300.00} bonus. 
At the branch, a banker successfully helped me open the account. I signed the Account Agreement, signed the W-8/W-9 tax form , deposited {$50.00} in cash, and was able to log in to my ONB online and mobile banking account immediately. The banker did not inform me that I needed to wait several days for the account to become officially active. Therefore, I had every reason to believe my account was successfully opened on XXXX XXXX XXXX.

Following the promotion terms : I deposited {$3500.00} in XXXX XXXX XXXX XXXX XXXX.

I deposited {$1000.00} in XXXX XXXX.

However, I only received the {$300.00} bonus and did not receive the {$650.00} bonus. When I contacted ONB customer service, they told me that my account was not officially opened until XXXX XXXX XXXX, and therefore I was ineligible for the larger bonus.

I believe this is misleading and deceptive. The banker and the documents I signed clearly indicated that the account was opened on XXXX XXXX XXXX. I had full access to my account and mobile banking from that date, and no one informed me of any later effective date. As a result, I suffered financial loss due to inaccurate and unclear communication from Old National Bank. 
I request that ONB honor the full {$650.00} promotional bonus and that CFPB investigate this issue to prevent similar misleading practices in the future. 
Thank you for your attention to this matter.

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 monetary relief
Consumer complaint received 2025-10-15 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: FL

Complaint narrative:
I am following up on my previous CFPB complaint regarding multiple inaccurate, unverifiable, and unauthorized items that still appear on my credit report. Despite my earlier dispute, these accounts remain and continue to cause financial and emotional harm. The following accountsXXXX XXXX XXXX XXXX {$6300.00} ; {$2000.00} ; {$1500.00} ), XXXX ( {$1300.00} ), XXXX XXXX ( {$11000.00} ), XXXX ( {$19000.00} ; {$2900.00} ) are still listed without any supporting 1099-C documentation. This violates FCRA 607 ( b ) and XXXX. Additionally, an unauthorized inquiry from XXXX XXXX XXXXXXXX dated XX/XX/year> remains, in violation of FCRA 604 ( a ), 604 ( f ), and 619. These inaccuracies have harmed my ability to obtain credit and caused significant distress.

Company response to consumer: Closed with non-monetary relief