vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I disputed a Capital One charge-off account with XXXX ( XXXX ID XXXX ). TransUnion reported the item as verified as accurate, yet the account continues to display contradictory and inaccurate information. 
Key issues : The account shows both charged off and past due {$600.00}, which is incorrect reporting under XXXX XXXX standards. 
TransUnion claims to have updated date updated, maximum delinquency, rating, and historical trended data but still calls the account accurate. 
No documentation or verification details were provided as required by FCRA 611 ( a ) ( 6 ). 
Requested action : Require XXXX  and Capital One to provide certified documentation verifying the accuracy of this account. 
If verification can not be provided, delete the Capital One entry from my credit report. 
This inaccurate information is negatively affecting my creditworthiness and violates FCRA 602 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Portfolio Recovery Associates sent a misleading letter implying legal action had been filed when no case exists in Virginia courts. This appears to violate FDCPA 1692e ( 5 ) and 1692e ( 10 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On this morning XX/XX/year> I made several attempts to transfer funds from one account to another and despite me using my social security number and password PNC Bank kept on hanging up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TN

Complaint narrative:
I am Submitting this complaint to formally dispute the late payment history being reported on my XXXX student loan accounts ending in XXXX. As a responsible consumer striving to rebuild and maintain a solid credit profile, I take my financial obligations seriously. However, the reporting on these accounts reflects a series of delinquencies that are inconsistent, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ). 
In XXXX, I experienced temporary financial hardship due to unforeseen personal circumstances that briefly impacted my ability to make timely payments. However, once the issue was resolved, I made every effort to bring my accounts current and maintain them responsibly. Despite this, my credit file continues to display repeated and extended late payments for the same periods ( XX/XX/XXXX through XX/XX/XXXX ) on both accounts which is not only inaccurate but also misleading in nature. 
The first XXXX account shows a balance owed of {$4000.00} with late payments reported as 90 days late in XX/XX/XXXX, 120 days late in XX/XX/XXXX, 150 days late in XX/XX/XXXX, 90 days late in XX/XX/XXXX, 120 days late in XX/XX/XXXX, and 150 days late in XX/XX/XXXX. The second XXXX  account shows a balance owed of {$6500.00} with the same pattern of late payments, and a last activity date of XX/XX/XXXX, reported as 90 days late in XX/XX/XXXX, 120 days late in XX/XX/XXXX, 150 days late in XX/XX/XXXX, 90 days late in XX/XX/XXXX, 120 days late in XX/XX/XXXX, and 150 days late in XX/XX/XXXX. 
According to FCRA XXXX ( A ) ( XXXX ), Congress determined that inaccurate credit reporting directly undermines consumer confidence and fair access to credit opportunities. The duplicative and inconsistent reporting of late payments violates this fundamental principle. Moreover, FCRA XXXX ( B ) requires consumer reporting agencies to ensure the maximum possible accuracy of information they maintain. Clearly, listing the same delinquencies multiple times for overlapping months fails to meet that standard. 
Additionally, FCRA XXXX ( a ) ( XXXX ) ( A ) places a duty on furnishers, such as MOHELASERVCN, to provide information that is complete and accurate. If the creditor has reported the same XXXX, XXXX, and XXXX lates more than once, it reflects a serious breach of their legal obligation. Further, under FCRA XXXX ( a ), I have the right to dispute incomplete or inaccurate information, and you are required to conduct a reasonable reinvestigation within XXXX  days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: TN

Complaint narrative:
I am Submitting this complaint to formally dispute the late payment history being reported on my XXXX student loan accounts ending in XXXX. As a responsible consumer striving to rebuild and maintain a solid credit profile, I take my financial obligations seriously. However, the reporting on these accounts reflects a series of delinquencies that are inconsistent, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ). 
In XXXX, I experienced temporary financial hardship due to unforeseen personal circumstances that briefly impacted my ability to make timely payments. However, once the issue was resolved, I made every effort to bring my accounts current and maintain them responsibly. Despite this, my credit file continues to display repeated and extended late payments for the same periods ( XX/XX/XXXX through XX/XX/XXXX ) on both accounts which is not only inaccurate but also misleading in nature. 
The first XXXX account shows a balance owed of {$4000.00} with late payments reported as 90 days late in XX/XX/XXXX, 120 days late in XX/XX/XXXX, 150 days late in XX/XX/XXXX, 90 days late in XX/XX/XXXX, 120 days late in XX/XX/XXXX, and 150 days late in XX/XX/XXXX. The second XXXX  account shows a balance owed of {$6500.00} with the same pattern of late payments, and a last activity date of XX/XX/XXXX, reported as 90 days late in XX/XX/XXXX, 120 days late in XX/XX/XXXX, 150 days late in XX/XX/XXXX, 90 days late in XX/XX/XXXX, 120 days late in XX/XX/XXXX, and 150 days late in XX/XX/XXXX. 
According to FCRA XXXX ( A ) ( XXXX ), Congress determined that inaccurate credit reporting directly undermines consumer confidence and fair access to credit opportunities. The duplicative and inconsistent reporting of late payments violates this fundamental principle. Moreover, FCRA XXXX ( B ) requires consumer reporting agencies to ensure the maximum possible accuracy of information they maintain. Clearly, listing the same delinquencies multiple times for overlapping months fails to meet that standard. 
Additionally, FCRA XXXX ( a ) ( XXXX ) ( A ) places a duty on furnishers, such as MOHELASERVCN, to provide information that is complete and accurate. If the creditor has reported the same XXXX, XXXX, and XXXX lates more than once, it reflects a serious breach of their legal obligation. Further, under FCRA XXXX ( a ), I have the right to dispute incomplete or inaccurate information, and you are required to conduct a reasonable reinvestigation within XXXX  days.

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 2025-10-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: AE

Complaint narrative:
I am an XXXX  service member stationed in XXXX. I opened a high-yield savings account with American Express , but about four months ago, they closed my account without explanation. I have always had a good experience with the institution, so it was surprising to see my account closed. 

I contacted American Express to find out why this decision was made, but I received no information, explanation, support, or solution. I have reached out to the company on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding my initial deposit of {$12000.00} ( USD ). Unfortunately, I still have not received my money, nor have I been provided with documents or updates concerning my account. 

I have spoken with numerous representatives, all of whom claim that my check is in the mail. Yet, the promised timeline of three weeks has passed multiple times without resolution. I am frustrated, as I do not have my funds and have lost interest due to a business decision that lacks transparency and provides no opportunities for me to recover my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: PA

Complaint narrative:
My son and I have made numerous calls regarding how they are applying the funds. Every month since Firstmark acquired the Student Loans from XXXX and XXXX XXXX they have been misappropriating the funds, the result in every month causing our credit reports to be hit with derogatory claims. But when calling each individual has something different to say, with we can fix this it will take 5-10 business days, or that the lender XXXX is misappropriating the funds and they will have to do a dispute and it will take another 5-10 business days. When I finally had a chance to look up Firstmark, they have XXXX disputes on XXXX  with very detrimental reviews that we are not the only consumers affected by the transition of our student loans, but it seems no one is taking action to have this institute examined as to how they are handling these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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 did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

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 2025-10-22 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: Payward Ventures Inc. dba Kraken
State: CA

Complaint narrative:
I deposited $ XXXX in my XXXX  account. Later, I started a transfer to move to another platform. The XXXX  folks put my transfer in pending mode and it has been there for over a week. Multiple requests for help have gone unanswered. They closed my account. They wont communicate. I just want my money back. If they dont want my business thats fine.

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 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I reviewed my credit report and seen I had a collection from I C System for {$280.00}

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 explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Summary of the Issue : I rented a XXXX  XXXX XXXX XXXX XXXX XXXX in XXXX, Minnesota under a lease agreement. Before ending my lease, I was told by XXXX XXXX management that I could terminate the contract early and the only loss would be my security deposit. Based on that understanding, I vacated the XXXX XXXX believed the matter was settled. 

Later, I was contacted by a debt collection agency claiming I owed {$4200.00}, and then stated the balance was actually {$20000.00} for breaking the lease. When I asked for clarification, the debt collector told me that XXXX XXXX did not have to inform me of any additional amount owed and that I was responsible for the full lease balance. 

At no point was I informed or provided documentation showing I would owe that amount. I was led to believe by XXXX XXXX management that my deposit would satisfy any early termination costs. I have not received an itemized statement, written explanation, or documentation from either XXXX XXXX or the debt collector supporting these charges. 

I believe this situation involves misrepresentation and lack of transparency by XXXX XXXX and potential violations of the Fair Debt Collection Practices Act ( FDCPA ) by the debt collector. 


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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 2025-10-22 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: GA

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ) regarding multiple inaccuracies on my Experian credit report. My report contains incorrect personal information, inaccurate account reporting, and unauthorized inquiries that have negatively affected my credit standing. 
Names listed such as XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX are incorrect. Old or unrelated XXXX XXXX XXXX XXXX XXXX, SC and XXXX XXXX XXXX XXXX, GA should also be removed. Under FCRA XXXX ( b ), credit bureaus must assure maximum possible accuracy. 
XXXX XXXX XXXX * {$660.00} ( Late/Closed ) * * XXXX  XXXX * * {$0.00} ( Charge-off ) * * XXXX XXXX XXXX XXXX * * {$3100.00} XXXX Charge-off ) * * XXXX XXXX XXXX XXXX * * {$750.00} ( Charge-off ) * * XXXX XXXX  XXXX * *, XXXX XXXX XXXX * * * *, and XXXX XXXX * * * * Incorrect collection statuses * XXXX These entries appear inaccurate or outdated, violating FCRA XXXX ( a ) and XXXX ( a ) ( XXXX XXXX ( A ), which require that reported data be current and accurate. 
: XXXX XXXX NA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and others that I did not authorize. Under FCRA XXXX ( a ) ( XXXX ), reports can only be accessed for permissible purposes.

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 2025-10-22 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:
THIS ACCOUNT IS FRAUDULENT AND NOT ASSOCIATED WITH ME

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 2025-10-22 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: PA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

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 2025-10-22 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: GA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
I have been calling and contacting Cash App for XXXX year and XXXX months letting them know that someone was logging onto my account. My identity was stolen and someone was logging on to my bank account stealing my money each time. I call Cash App because I know that it was going on they ignore me and act like they do not speak any XXXX. I found out who was doing it to me. It was a lady from my home healthcare place. I am XXXX and I have a learning Cash App ignore me and they are still playing me till this day and when I give me my money back I need my money back in order to get an attorney to fight this case there was cash and checks in my name Cash App checks they did income tax and my name in Cash App let them get away with it, knowing it was for not from my device, I had called every day all night until XXXX oclock when it was close they continue to pretend and not speak XXXX and hang up in my ear. I am out of um almost {$11000.00} or more. I had XXXX bank accounts accounts cleaned out Anytime you ask this week to a supervisor they say that someone is gon na get in touch with you in a couple of days you asked to speak to a manager they said the same thing no XXXX emails you or contact you. Ive been fighting for my money back for XXXX year and XXXX months Tuesday And they have still not giving me anything. Will they pay me XXXX bucks from speedy gas? I didnt know about a virtual cord theres XXXX quarts in total the Cash App have I only have XXXX and the people who stole my money was using the other XXXX logging on from their phone with all of my information. Cash App knew what they were doing. They just did not care. I went to the police station. The police took Cash App on my phone but didnt get rid of it so they continue to work my account and do different things borrow money from my family members and continue to break into my home and add my bank account on the cash app account and see all my money from XXXX different banks. I am slow. I have a XXXX. I didnt know what was going on. I just kept going into overdraft calling Cash App every day. They did nothing and will hang up in my ear and act like they speak no XXXX I have been losing my mind ever since this was going on all Cash App care about is lining their own pockets at some point in a time they should have been able to tell that there was fraud and scamming going on on my account, I was calling it every day, letting them know. They play with me and hung up the phone and ignored me for XXXX hole. It actually started XXXX It went on so long to the bank then you wan na deal with me. They dont wan na deal with people and Cash App Cash App is a joke.

Company response to consumer: Closed with explanation