vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 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: CA

Complaint narrative:
I am submitting this complaint to the CFPB to address serious inaccuracies on my credit report that have no basis in fact, including unauthorized charge-offs and a false address. Under the FCRA, reporting agencies and creditors must maintain complete, accurate, and verifiable information. The continued reporting of these items has caused significant financial, emotional, and legal harm. I request immediate CFPB oversight to enforce full reinvestigation, correction, or deletion of all disputed items and to ensure accountability of all responsible parties. 

Late Payment XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$870.00} Date Opened : XX/XX/year> This account is showing late payments that are not accurate or fully verifiable. I have never been provided with any written documentation proving the exact dates or amounts of the alleged late payments, nor have I received copies of billing statements or notices of default that would validate these claims. Under FCRA 1681i ( a ), you are required to conduct a reasonable reinvestigation and obtain direct verification from the furnisher of information. Failure to do so within 30 days requires deletion of the inaccurate data. By reporting unverifiable late payments, you are damaging my creditworthiness, increasing my cost of borrowing, and preventing me from obtaining housing and employment opportunities. I am demanding that you either provide me with full documentation proving these late payments from XXXX XXXX Bank or permanently delete the negative information from my file to comply with federal law. 

I request the CFPBs immediate oversight to guarantee that all disputed accounts and incorrect addresses are reinvestigated, verified, and corrected or deleted in accordance with FCRA requirements. The continued reporting of false information has caused substantial financial and personal harm. I request written documentation confirming all corrective actions taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
On XX/XX/XXXX I received a fraud alert from Barclays Bank on my XXXX XXXX XXXXXXXX card for charges made in XXXX. The same day I received a letter from Barclays confirming a change of address- which I did not make. I called Barclays, we reviewed the charges, all of which were fraudulent and they closed the card and took off the charges. Important to note - the number of the card was not the number of my card. I never applied for this card, never received it, and never made these charges. One month later, I received notification that the charges were put back on my card because the card had a chip and it was in my presence. Again- this is a card with a different number that I never applied for or received. I called and explained and Barclays fraud said they would investigate. I just received two letters dated XX/XX/XXXX that the charges were valid because I had the card in my presence and they were sending my name to credit reporting agencies if I did not pay. I have letters noting cards with XXXX different numbers - Neither of which I applied for, received or used. Barclays refuses to investigate this.

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 2025-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Im an XXXX XXXX XXXX XXXX XXXX member who applied for the Citi XXXX XXXX credit card. I requested XXXX XXXX XXXX XXXX XXXX XXXX benefits be applied and Citi has denied them both times even though I qualify for them. Im an XXXX XXXX XXXX  member that applied for the credit card while on XXXX XXXX and Im still on XXXX XXXX. I am able to find myself in the XXXX database but it appears that Citi is having a hard time checking or is not checking and applying a blanket denial not following law. 

I called Citi last week and followed up today XXXX XXXX at or around XXXX XXXXXXXX XXXX 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 2025-09-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: S & S Recovery, Inc.
State: TX

Complaint narrative:
Dispute of Account # XXXXXXXX XXXX XXXX XXXX XXXX Dear S & S Recovery, I am disputing the above account due to reporting errors : Different balances ( {$2200.00} vs. {$2200.00} ). 
Status conflicts : listed as collection with one bureau, charge-off with another.

Account numbers truncated differently across reports.

This violates FCRA 623, the Texas Finance Code, and FDCPA requirements.

This dispute has already been submitted to the CFPB with supporting documentation. Please correct or delete this tradeline and update all bureaus through XXXX. 

I am also requesting my wet signature documents if can not be provided this account will need to be removed immediately. 

Failure to resolve this matter within 7 days will result in legal action. This letter serves as my formal intent to sue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
Value of car was XXXX made payments on time until someone ran into back of car totalling it Lawsuit paid XXXX in full

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 2025-09-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Love, Beal & Nixon, P.C.
State: OK

Complaint narrative:
LOVE, BEAL & amp ; NIXON, P.C. 
Attn : XXXX Department Attorney for XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX, OK XXXX Other information for Debt collector : Phone : XXXX Email : XXXX www.lbnlegal.com This is a company address that is attempting to sue and garnish old debt. I moved within Oklahoma XXXX to a new address and was a default judgment of {$3000.00} causing a garnishment of {$200.00} per pay period. Went back to court to obtain exemptions due to being exempt on taxes and the attorney kicked me out of the court house, bringing paperwork to the Judge without me seeing an attorney. I have paid this garnishment and they are seeking two more accounts that are old debt and past statute of limitations.

This prior garnishment of {$3000.00} is also past statute of limitations and what they're attempting to collect is illegal and they wont stop sending paperwork and notifications.

May I receive assistance please? This is old debt from XXXX XXXX XXXX XXXX that was old off to this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: NY

Complaint narrative:
Formal Complaint and Dispute of Reporting by LVNV Funding / Resurgent Capital To Whom It May Concern, I am filing this complaint against LVNV Funding, c/o Resurgent Capital Services XXXX XXXX, SC XXXX XXXX ( XXXX ) XXXX ). They are currently reporting an account to my credit file without proper validation or legal standing. 

I demand that LVNV Funding provide the assignment contract or purchase agreement proving they legally own this alleged debt that I have requested multiple times with no response or information regarding the correct documentation.. Without such documentation, they do not have the right to report or collect on this account. 

Furthermore, I have already satisfied my obligation with the original creditor. LVNV Funding has provided no evidence that they purchased or were assigned this debt, and therefore they are misrepresenting their right to collect. This constitutes a violation under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-13 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened a checking account at capital one Bank on XX/XX/XXXX, At that time, the staff of their bank told me that as long as two transfers of more than {$500.00} were made, I would receive a reward of {$300.00} within 120 days. At present, it has been more than 120 days, and I have made four transfers, but I have never received a reward of {$300.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
In XXXX, I was approved for a Chase credit card. Within 4 daysbefore I ever used the cardmy account was suspended and the card cancelled without explanation. 
In XXXX, I visited a Chase branch to open a checking account. The representative informed me there is a red warning under my name and was told by central Chase that no accounts can be opened. I have never received an explanation. 
I am now a practicing physician with annual income over {$700000.00} and would like to establish a banking and investment relationship with Chase. I am requesting that Chase explain the restriction, review my case, and remove any unjustified block preventing me from opening accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I opened a new Citibank credit card in XX/XX/year> under my own name and Social Security Number, with the expectation of receiving the advertised welcome bonus after meeting all required conditions. 

Citibank made an error and created my account under someone elses SSN. I provided my correct SSN at account opening, but their system incorrectly linked the account to a different SSN. This was entirely Citibanks mistake, not mine.

After I identified the issue, Citibank corrected the SSN and confirmed the account is now under my correct information. Despite this, Citibank is refusing to issue the welcome bonus, claiming I am not eligible. The fact that you can open a credit card without the name and social security number matching in Citibank 's system is extremely alarming.

Why this is unethical : The account should have been correctly opened under my SSN from the start. 

I should not be penalized or denied the promotional bonus because of Citibanks error. 

I fulfilled all conditions of the bonus promotion.

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 2025-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cashapp on XX/XX/XXXX a charge from be rig in the {$500.00} and on XX/XX/XXXX cash app take a other XXXX for the same company I call the company and they started that they don't make the a other attempt to take XXXX I also have a letter from that company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
i am requesting my full file disclosures from transunion, equifax, and experian

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: MS

Complaint narrative:
i am requesting my full file disclosures from transunion, equifax, and experian

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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: PA

Complaint narrative:
Subject : Complaint Against LexisNexis FCRA Violations for Mixed File and Inaccurate Reporting To Whom It May Concern, I am filing this complaint against LexisNexis Risk Solutions for serious violations of the Fair Credit Reporting Act ( FCRA ).

Upon reviewing my LexisNexis credit file, I discovered it contains multiple names and derogatory accounts that belong to other individuals. This is a classic case of a mixed file, where my personal data has been improperly combined with another consumers records.

LexisNexis has therefore violated : 15 U.S.C. 1681e ( b ) failure to follow reasonable procedures to assure maximum possible accuracy of consumer information.

15 U.S.C. 1681i failure to correct and reinvestigate disputed information.

This inaccurate reporting has caused me significant harm, including negative impacts on my credit, denials of opportunities, and personal distress. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: GA

Complaint narrative:
On or around XX/XX/year>, I filed a dispute with Experian regarding a XXXX XXXX account on my credit report. My dispute was very specific and was not about the debt itself, but about a technical reporting violation. I pointed out that the furnisher, XXXX, was not reporting the account correctly as " disputed '' according to the Metro 2 format and the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 3 ) ). 

On XX/XX/year>, Experian concluded its investigation. The result was not a deletion of the illegally reported tradeline, but simply an " update. '' The update consisted of XXXX adding a comment to my file acknowledging the dispute. 

This outcome is unacceptable. By updating the file only after I complained, the company has admitted that the account was being reported in violation of the FCRA prior to their investigation. Experian 's investigation was unreasonable because it did not rectify the error by deleting the account due to its past non-compliance. Instead, they allowed the furnisher to perform a superficial update, which does not remedy the original violation.

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 2025-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I attempted to make a payment on XX/XX/year> in the amount of {$45.00} using my PayPal XXXX XXXX XXXX ending in XXXX. The transaction was declined several times but was finally approved and somehow charged to my bank account. I called several times and was transferred around in frustration. I then noticed that when I went to PayPal Settings/Payments/Automatic Payments, was using my previous PayPal XXXX credit card number ending in XXXX that had been replaced with a card ending in XXXX. The new card was not on the choices for automatic payments for XXXX. That caused several attempts to use my PayPal XXXX credit card to be rejected causing my bank account to be debited and my me not receiving my 3 % cashback on the purchase. After several attempts to resolve the matter between PayPal and XXXX Bank. I would like to have this issue resolved and my cashback restored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
XXXX Ally Bank Customer Service Ended call : XXXXXXXX XXXX XXXX Good afternoon, I just spent 29 minutes on the phone with a representative from Ally. On Wednesday, my XXXX transactions would not go through. I had to pay {$20.00} for a wire in order for my gf to receive rent money. I was traveling out of state. As I am on my way back, I called Ally for two reasons : To find out about XXXX and to request a courtesy refund for the wire due to XXXX issues. 

Keep in mind that each XXXX transaction I tried making, was sent but then returned. This had never happened. When i called Ally today, it was a mess. The young woman whom I spoke with tried to tell me that my XXXX  transactions werent going through because it is the weekend. I tried explaining to her that these transactions started being transferred on Wednesday but for some reason she didnt listen as she kept saying they were pending. I also work for a major financial institution and know that isnt how XXXX works. 

I then asked 3 different times for the wire fee to be refunded. I was put on hold 3 different times. She kept saying she was going to have a supervisor to review the request then refund the funds. After 3 holds and 15 total minutes, I was informed a supervisor would know about my request. 

This was horrible customer service by Ally Bank. I still dont know what is wrong with my XXXX and I am having to call XXXX XXXX 

I wish for an explanation of my XXXX I also wish for the wire refund due to XXXX not working and most of all, this horrible service. 

Sincerely, XXXX 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 monetary relief
Consumer complaint received 2025-09-13 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: LA

Complaint narrative:
This is a new complaint regarding an account being reported by XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) that I do not recognize, do not owe, and have never authorized. On XX/XX/year>, I filed FTC Identity Theft Report XXXX XXXX and identified multiple fraudulent tradelines on my credit reports. XXXX has now been confirmed as one of the accounts reporting under my name that I do not own. 

Details : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) account shows as charged off and sold, balance {$0.00}, but continues to report negative status. 

I have never signed or entered into any credit agreement with XXXX or XXXX. I do not own this account, and no documentation exists with my signature establishing liability. 

Under FCRA 605B, I formally dispute ownership of this account. 

Despite this, the account continues to report inaccurately across the CRAs, causing ongoing harm to my credit. 

Requested resolution : I respectfully request that XXXX immediately cease reporting this fraudulent account, delete it from all consumer reporting agencies ( Equifax, XXXX XXXX XXXXXXXX ), and provide written confirmation of permanent deletion. 

Enclosures will include : FTC Identity Theft Report XXXX XXXX ( filed XX/XX/year> ) Proof of identity and proof of address Copy of credit report showing XXXX tradeline

Company response to consumer: Closed with explanation