vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: IL

Complaint narrative:
On XX/XX/year>, I filed a dispute with TransUnion ( Dispute # XXXX ) regarding several accounts on my credit file. On XX/XX/year>, TransUnion, Equifax and TransUnion marked these accounts with the status Unknown : Haven on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all list on all reports XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA 611 ), all information on a consumer report must be accurate and verifiable. If an account can not be verified, it must be deleted. Unknown is not a valid verification status and shows TransUnion could not confirm the accounts. 

Despite this, TransUnion left these unverifiable accounts on my credit file, which is a violation of the FCRA. This has harmed me by lowering my credit scores, causing credit and housing denials, and emotional distress. 

I am requesting that these accounts be immediately deleted from all my credit profiles and provide written confirmation. I also request that damages be considered, as the FCRA allows statutory damages of up to {$1000.00} per violation, plus any actual damages incurred. With each bureaus, equifax, experian and transunion. 

I have attached supporting evidence, including a screenshot of the dispute results showing the Unknown status

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: IL

Complaint narrative:
On XX/XX/year>, I filed a dispute with TransUnion ( Dispute # XXXX ) regarding several accounts on my credit file. On XX/XX/year>, TransUnion, Equifax and TransUnion marked these accounts with the status Unknown : Haven on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all list on all reports XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA 611 ), all information on a consumer report must be accurate and verifiable. If an account can not be verified, it must be deleted. Unknown is not a valid verification status and shows TransUnion could not confirm the accounts. 

Despite this, TransUnion left these unverifiable accounts on my credit file, which is a violation of the FCRA. This has harmed me by lowering my credit scores, causing credit and housing denials, and emotional distress. 

I am requesting that these accounts be immediately deleted from all my credit profiles and provide written confirmation. I also request that damages be considered, as the FCRA allows statutory damages of up to {$1000.00} per violation, plus any actual damages incurred. With each bureaus, equifax, experian and transunion. 

I have attached supporting evidence, including a screenshot of the dispute results showing the Unknown status

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 2025-09-04 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: LA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> American Express XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : CEASE AND DESIST Communication Regarding Alleged Debt Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : This letter serves as your formal notice pursuant to 15 U.S. Code 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that you cease all communication with me regarding the alleged debt referenced above. 

Under the FDCPA, once a written request to cease communication is made, a debt collector must not contact the consumer again except to : Advise that further efforts to collect the debt are being terminated ; Notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked ; or Notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 

Please be advised that any further communication from your agency that does not fall within the exceptions outlined above will be considered a violation of federal law and may result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or legal action in a court of competent jurisdiction. 

Furthermore, I am requesting written verification of the alleged debt pursuant to 15 U.S. Code 1692g ( b ) if you have not already provided it. 

Let this letter serve as notice that I am aware of my rights under federal law and that I am prepared to take appropriate action to protect them. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
XXXXA company called Transworld System Inc at XXXX XXXX XXXX with adress XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is sending deregatory records to my credit reciords for XXXXXXXX  . I do not owe thios debt and have no business with either them or any other company regarding this amount.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I went to apply for a loan and noticed that my credit score was effected seriously when I researched it it seems that Penfed Credit Union has me owing $ XXXX. This amount put my credit scores in the XXXX when my scores were already XXXX and XXXX. If this is how the bank discriminates against XXXX people this is disgusting. I had lost money before with this bank too. But now that I built my credit score they are going to tell me that they made a mistake and fixes one credit score and not the other. I want my score scores adjusted because I do not owe them {$15000.00}, I owe them {$40.00}. If my credit score comes out less than XX/XX/XXXXon the loan I applied for I want my loan with XXXX XXXX XXXX adjusted because Penfed initiated this error and paid {$1000.00} for the aggravation.

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 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Re : Improper Garnishment Activity by XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally document and dispute the handling of a garnishment initiated by XXXX XXXX XXXX XXXX in connection with an American Express account. 

Key Issues : XXXX XXXX XXXX  received full payment on XX/XX/year>, satisfying the American Express account. 

Despite this, they proceeded with court on XX/XX/year>, and obtained judgment against me. 

My savings account at XXXX XXXX XXXX XXXX was garnished, even though XXXX XXXX XXXX did not originally have this account information until I mistakenly made a monthly payment through their online portal. 

Garnishment paperwork was filed on XX/XX/year>, which raises concerns about the timing and legality of the filing. 

The draft associated with this garnishment was not supposed to be released until XX/XX/year>, according to the banks own timeline. Yet, funds were taken and applied prematurely, causing me financial harm. 

Requested Action : Provide written confirmation of the garnishment release date and when funds were actually removed. 

Confirm that the draft should not have been processed until XX/XX/year>. 

Investigate the premature release of funds and provide a full accounting for my records. 

Provide documentation that can be shared with the CFPB, FTC, and Virginia Attorney General regarding this matter. 

I am pursuing formal complaints against XXXX XXXX XXXX and American Express for violations of the Fair Debt Collection Practices Act ( FDCPA ) and unfair debt collection practices. As my financial institution, I request XXXX XXXX XXXX XXXX XXXX in ensuring that all records relating to this garnishment are preserved and provided upon request. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: MD

Complaint narrative:
I am writing to formally dispute a duplicate charge of {$56.00} from XXXX XXXX  tied to my Capital One card ( XXXX XXXX XXXX ending XXXX ). 

Here is the timeline of events : XX/XX/year> : XXXX charged my Capital One card for {$56.00} ( XXXX XXXX  order ). The food delivered was not what I ordered, and I filed a dispute. 
XX/XX/year> : XXXX refunded {$56.00} back to my Capital One card. 
XX/XX/year> ( same day ) : XXXX then unauthorizedly charged my updated XXXX card from another bank ( ending XXXX ) for the same {$56.00} order. 
XX/XX/year> : Capital One reversed the temporary dispute credit and re-applied the original {$56.00} charge on my Capital One account. 

As a result, I have now been billed twice for the same order : {$56.00} on Capital One ( after re-applied charge ). 
{$56.00} on my XXXX card at another bank. 

That is {$110.00} for XXXX incorrect order. 

I did not authorize XXXX to bill XXXX different banks for the same order, and this duplicate billing is an unauthorized transaction. 

My Request : I am asking Capital One to permanently reverse the {$56.00} charge on my Capital One account ( re-applied on XX/XX/year> ). Since XXXX has already billed my updated card at another bank, I should not be responsible for paying twice. 

Supporting Documentation Attached :

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: ME

Complaint narrative:
On XX/XX/year> I received in the mail an unsolicited XXXX XXXX XXXX from CashApp. I do not have a CashApp account and called the number on the card to cancel the card and remove any account associated CashApp account with my name. I called five times over three hours and no representative was able to help me nor transfer me to a supervisor without the email address and phone number associated with the account. 

I explained that it was a fraudulent account that I did not create so I did not have any information associated with the account other than the account number on the Visa card issued in my name and mailed to my address. I was told they were not allowed to take the account number and could not help me without the associated email address or phone number. This created a quandary as there was no means to close this fraudulent account. 

On the morning of XX/XX/year>, I called XXXX Bank, the issuing bank of the XXXX XXXX. I was given the same information, XXXX XXXX  would not help me without the email address or phone number associated with the account. Again I explained I did not create the account so I could not provide the information. 

After speaking with XXXX XXXX  I called XXXX XXXX and was able to get the card voided. ( XXXX  case number XXXX ) Voiding the card however does not void the CashApp Account. 

Later on XX/XX/year> I called all my banks and brokerage accounts to report the incident and make sure they were not linked to any CashApp account. My credit reports have been locked down with all three major credit reporting bureaus for many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: Experian Information Solutions Inc.
State: AR

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 Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: AR

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 Equifax, 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 2025-09-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Good Morning verification code XXXX Issue XXXX  Credit Bureau : Is reporting XXXX Hard credit Inquiry 's on my XXXX  credit report. Their shouldn't be any! In XXXX XX/XX/year> there are XXXX inquiry 's from a car dealership all around same day. XXXX XXXX XXXX XXXX XXXX, XXXXXXXX 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 all of these hard credit pulls occurred from XXXX XXXX To XX/XX/year> XXXX in XX/XX/year>. Someone stole my wallet used my debit card at this dealer spent XXXX dollars for something I called them got it back a couple months later I noticed all these auto inquiry 's same day money taken! These inquiry 's are not mine!!! Can you please make XXXX and any other Bureau please remove these they are not accurate at all! yours truly with respect XXXX XXXX XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
XXXXI originally paid XXXX to Capital One Bank at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with phone number XXXX XXXX XXXX  for an unsecured credit card. However, there were fraudulent charges on my account and Capital One had a bdata breech that affceted me, so I closed the my bank account and credit card account with them.\nHowever, Capital One  Bank has unlawfully sold my account to  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  with phone number XXXX XXXX XXXX XXXX XXXX.  I did not owe Capital One Bank any amount and they owe me my original XXXX deposit for the secured credit card.\nThank you.'

Company response to consumer: Closed with explanation