vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 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: MN

Complaint narrative:
I am filing a complaint against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ). They are reporting a name on my credit file that does not belong to me. This is a serious error that misidentifies me and has persisted despite multiple disputes. 

I first disputed this inaccurate personal information on XX/XX/year> ( Confirmation # XXXX ) and have re-disputed on : XX/XX/year> ( # XXXX ), XX/XX/year> ( # XXXX ), XX/XX/year> ( # XXXX ), XX/XX/year> ( # XXXX ), XX/XX/year> ( # XXXX ), XX/XX/year> ( # XXXX ), and XX/XX/year> ( # XXXX ). All disputes were filed through XXXX online dispute system. 

In each dispute, I provided supporting documentation including a copy of my government-issued ID, Social Security card , and proof of address. I also contacted the company whose name was being reported ( ED/Financial/ESA ), and they confirmed that they have no account or records matching my name, date of birth, or Social Security number. 

Equifax has verified the incorrect name each time without providing any documentation or explanation of how it was verified. Under 15 U.S.C. 1681i ( a ), they are required to conduct a reasonable reinvestigation and delete or correct inaccurate or unverifiable information. 

The continued reporting of this false personal identifier has harmed me by creating confusion in my credit file, hindering my ability to obtain a home loan, potentially impacting my creditworthiness, and causing emotional distress. I am requesting that the CFPB investigate and require Equifax to immediately remove this false name from my credit report and confirm the correction in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On XX/XX/year> I disputed a debit card transaction with PNC Bank involving an international merchant. About two months into the dispute, the merchant emailed me stating that my order has been refunded, which is an acknowledgment that the original charge was not valid. I forwarded the email from the merchant directly to PNC 's Dispute Department at XXXX on XX/XX/year> at XXXX XXXX XXXX XXXX EST However, no refund ever posted to my account, and the merchant provided no proof that a refund was processed even after repeated requests from myself. On XXXX XXXX PNC Bank sent me a denial letter stating they did not find an error and that their explanation of determination for denying my dispute was attempt to recover funds from the merchant was unsuccessful at this time Under the Electronic Fund Transfer Act and Regulation E ( 12 C.F.R. Part 1005 ), the banks responsibility is to determine whether an error occurred, not whether they can recover funds from the merchant. A failed recovery attempt does not shift the loss to the consumer.PNC Bank in this instance decided the dispute based off of recovery and not the validity of the dispute which is required under Regulation E. By the merchant sending me an email telling me that my order had been refunded it was an admission on their part that the charge was not valid/ is in error and I was due a refund. I am requesting that PNC reopen the dispute, provide all documentation used in their investigation, and issue a credit for the disputed amount in compliance with Regulation E.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts with XXXX, XXXX XXXX XXXX XXXX, and XXXX have never been late. I have maintained an excellent payment history with XXXX XXXX, with all payments set to Autopay. The late payment currently being reported is the result of a systematic error on the companys end in processing my payment, and is clearly a billing errornot a reflection of my actual payment history. This violates 15 U.S.C. 1681e ( b ).

This inaccurate reporting has caused serious harm to my reputation, character, way of life, and my family. I demand the removal of this late payment. The creditors are not in compliance with 15 U.S.C. 1666b, which sets the legal standards for determining when a payment can be treated as late. 

Under 15 U.S.C. 1666b ( a ), a creditor may not treat a credit card payment as late unless they have reasonable procedures to ensure that each periodic statementincluding the disclosures required under 15 U.S.C. 1637 ( b ) is mailed or delivered to the consumer at least 21 days before the payment due date. 

XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, and XXXX failed to provide these statements and disclosures. I have requested proof that this information was sent at least 21 days prior to the due date, as allowed under Rule 1002, but no such proof has been provided. 

This conduct is unfair, illegal, fraudulent, and inequitable to me as a consumer. I demand that all late payments be deleted from my consumer reports immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have repeatedly exercised my right under the Gramm-Leach-Bliley Act ( GLBA ) and the Fair Credit Reporting Act ( FCRA ) to opt out of Capital Ones sharing of my nonpublic personal information with unaffiliated third parties. I sent written opt-out notices in XXXX and XXXX via certified mail. Despite these lawful requests, XXXX XXXX continued to : Share my personal data with third parties, Send or cause to be sent unsolicited credit offers by mail and phone, Enable harassing communications from marketing partners and debt collectors. 

The account in question was charged off on XX/XX/XXXX, yet these practices persisted for months afterward. 

This conduct violates : GLBA Failure to honor my opt-out request for nonpublic personal information. 
FCRA Affiliate marketing and prescreened offer violations after opt-out. 
Telephone Consumer Protection Act ( TCPA ) Continued marketing calls after revocation of consent. 
UDAAP ( 12 U.S.C. 5531, 5536 ) Engaging in unfair and abusive acts by using my information contrary to my legal rights, causing harm. 

Capital Ones Response and Deficiency : In their most recent written response, Capital One stated the matter should be cleared up but failed to : Acknowledge the period of non-compliance, Provide a list of third parties with whom my data was shared, Offer corrective action or restitution. 
This constitutes an unfair practice because they ignored clear federal consumer rights, continued unauthorized marketing, and withheld essential transparency about my personal data use. 
failure to honor opt-out/data privacy violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. 
XXXX XXXX, SD XXXX Subject : Formal Dispute Violation of Truth in Lending Act & Demand for Immediate Deletion To Whom It May Concern : I am formally disputing the account you are reporting in my name with XXXX XXXX XXXX  This account is invalid and has been reported in violation of my consumer rights under the Truth in Lending Act ( TILA ), specifically 15 U.S.C. 1635 Right of Rescission.

Under 1635, a consumer has the right to rescind certain credit transactions involving a security interest in the consumers principal dwelling within three business days from the date of the transaction, or longer if proper disclosures were not made. You failed to provide the proper and complete disclosures required under TILA, thereby extending the rescission period indefinitely.

Because of this violation : 1. The account is unenforceable under federal law.

2. Any continued reporting to the credit bureaus constitutes a willful violation of my rights.

I am demanding the immediate deletion of this account from my credit report with all consumer reporting agencies. You are required to notify TransUnionXXXX XXXX XXXX XXXX of the deletion within the timelines mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

In addition, I demand written confirmation that : This account has been deleted from all credit bureau records.

You will cease any future reporting of this account.

You will provide documentation proving that proper TILA disclosures were provided at the time of the transaction if you intend to dispute my claim. 

If you fail to delete this account and provide proof of compliance, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Office of the Comptroller of the Currency ( OCC ), and my state Attorney Generals Office. I will also consider pursuing legal remedies to recover damages for willful noncompliance. 

This dispute is submitted in good faith to enforce my rights under federal law. 

Sincerely, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-09 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: PA

Complaint narrative:
This morning, I found inaccurate accounts appearing on my credit report, and Im not sure why. I reviewed my report as usual, but this time there were unexpected discrepancies. I refreshed my browser to check if it was a technical error, but the incorrect accounts remained. Due to this problem, I request a thorough review of the documents I submitted so I wont have to worry about this again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: TX

Complaint narrative:
Experian is currently reporting late payment entries on my credit report that are inaccurate and misleading, specifically concerning XXXX XXXX ( account number XXXXXXXX XXXX XXXX XXXX XXXX  ) dated XX/XX/XXXX and XXXX XXXX ( account number XXXXXXXX XXXX XXXX XXXX XXXX ) dated XX/XX/XXXX, both listed as open accounts with a past due balance of {$0.00}, as well as XXXX ( account number XXXXXXXX XXXX XXXX XXXX XXXX  ) dated XX/XX/XXXX, which is reported as paid and closed with XXXX balance and XXXX past due. The presence of late payment notations on accounts that have XXXX past due balances, and in the case of XXXX, an account that is paid and closed, is contradictory and demonstrably inaccurate.

Under 15 U.S.C. 1681e ( b ), Experian is required by law to employ reasonable procedures to assure the maximum possible accuracy of all information it reports. Reporting late payments on accounts showing XXXX past due balances or closed status constitutes a clear violation of this requirement. Such erroneous reporting misrepresents my payment history and creditworthiness, misleading potential creditors and causing unjust harm to my financial standing. 

When I disputed these inaccurate late payment entries, Experian failed to provide any original documentation or credible evidence from the creditors verifying the accuracy of the reported delinquencies. Instead, I received only vague and insufficient verified responses based on third-party data sources, which do not meet the legal standard for a reasonable reinvestigation under 15 U.S.C. 1681i ( a ). The FCRA requires that disputes be investigated through direct, documented verification from the original creditor or furnisher of information, not by relying on unreliable electronic data matches or incomplete databases. 

The ongoing reporting of these inaccurate late payments on accounts with XXXX past due balances and a paid and closed status has caused material harm. It has negatively affected my credit score, resulted in increased borrowing costs, and led to credit denials, thereby impacting my financial opportunities. Moreover, this inaccurate reporting causes unnecessary stress and frustration, as it paints a false picture of my credit behavior.

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 2025-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
I am the borrower on a mortgage account serviced by Shellpoint Mortgage Servicing and NewRez. On XX/XX/XXXX, I filed a quit claim deed transferring ownership of the property to XXXX XXXX and her XXXX, XXXX XXXX XXXX. I provided a copy of this quit claim deed to Shellpoint. 

Shellpoint confirmed this matter would be resolved by XX/XX/XXXX. Recently, they canceled this resolution date and redirected me to NewRez without explanation. They also claim they are waiting for XXXX XXXX ID, a requirement never previously communicated or legally justified. 

I have repeatedly tried to communicate with both companies but have been given the runaround with no clear status updates or accountability. My emails have been undeliverable or ignored. 

I request a formal written update on the removal of my name from the mortgage, an explanation for the canceled resolution date, and the escalation managers contact information. I want this issue resolved promptly and confirmed in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
My friend cooked an XXXX XXXX  at work I paid him on cash app XXXX dollars and put an emoji  of XXXX XXXX  because the food was a XXXX XXXX XXXX 
And cash app said it was suspicious activities. 
So they wont let me cash XXXX dollars. 
The other day my other friend gave XXXX dollars on cash app and they wont let me cash that either. 
If everything is so suspicious how come cash app lets deposits in? 
I know cash app is using my money for other investments and interests. 
Ive called numerous times, emails, and chatting with them on support chats. 
And they say my case is closed. 
But where is my money .. cash app cant tell me anything. 
I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: TX

Complaint narrative:
I want all fraudulent accounts and unauthorized inquiries listed in my letter to be permanently deleted from my credit file. The credit bureaus and furnishers must block all identity-theftrelated information within the FCRAs required 4 business days, provide me with a corrected credit report, and send written confirmation of the deletions. If no legitimate proof of my authorization exists, the items must be removed immediately. 


XXXX. XXXX  Date of inquiry : XX/XX/year> XXXX. XXXX Date of inquiry : XX/XX/year> XXXX. XXXX  Date of inquiry : XX/XX/year> XXXX. XXXX Date of inquiry : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: TX

Complaint narrative:
I applied for {$1700.00} line of credit with this company. Ive made multiple payments in my principal amount has not gone down over a span of four months. I questioned the amount of the principal paid. The company told me that only {$11.00} is going towards the principal and the rest are all for fees and interest. I currently have made over XXXX payments to this company total over {$2100.00}. I am still {$1200.00} owed. Over the span of XXXX payments. I only paid {$500.00} of the balance to present date. OPENING ACCOUNT CREDIT LIMIT : {$1700.00} LENDER : Name XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If Im obligated to pay, I understand I wanted to let the government know I feel like Im getting taken advantage of, and I believe it was not on the terms of the loan at the beginning of the process. There are also portions of the loan that I did I know about until I asked customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I demand that My Fico correct the unauthorized hard inquiry from XXXX XXXX, there should be no late payments on my credit profile. Please update my credit card utilizing also.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: NY

Complaint narrative:
Permanently delete all fraudulent accounts and unauthorized inquiries listed in my dispute. Block all identity theftrelated data within 4 business days as required by 15 U.S.C. 1681c2. Provide me with a corrected, updated credit report. Send written confirmation that the deletions and blocks have been completed. This keeps it clear so the credit bureau or furnisher cant claim they didnt understand what you wanted. XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date of inquiry : 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 2025-08-09 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: TX

Complaint narrative:
I have been a Victim of Identity theft in the past and my file being mixed with someone else Experian Fixed it but now there is a XXXX XXXX on my credit report along with other accounts on my credit report that Is Fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want all fraudulent accounts and unauthorized inquiries listed in my letter to be permanently deleted from my credit file. The credit bureaus and furnishers must block all identity-theftrelated information within the FCRAs required 4 business days, provide me with a corrected credit report, and send written confirmation of the deletions. If no legitimate proof of my authorization exists, the items must be removed immediately. 

XXXX. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX  Date of inquiry : 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 2025-08-09 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: IL

Complaint narrative:
Im reaching out because I noticed that some of the accounts on my credit report are showing the wrong current balance. These are the accounts that need to be looked at : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$790.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$11000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6400.00}

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 2025-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FEDChex Recovery, LLC
State: CA

Complaint narrative:
Debt collector : XXXX XXXX, on behalf of XXXX, XXXX. 

On XX/XX/XXXX, I received a notice from XXXX XXXX attempting to collect {$5800.00} allegedly owed to XXXX. This debt is invalid. 

XXXX terminated my membership and unilaterally canceled confirmed reservations for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Their own Terms & Conditions state confirmed stays can not be canceled and only require host reimbursement if a host fails to honor a stay. I never canceled or failed to honor these stays. 

The only reason given for the penalty was that I did not respond to an email from XXXX guest. This is not a contractual basis for termination or a fee. Other guests had no communication issues. 

I disputed this with XXXX and advised the debt was invalid. They sent it to collections anyway. I am requesting the XXXX assistance in having this collection removed and ensuring both companies comply with the FDCPA and FCRA.

Company response to consumer: Closed with explanation