vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: MD

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-07-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: VIRTUOSO SOURCING GROUP, LLC.
State: CO

Complaint narrative:
On XX/XX/year> i was added to a collection by XXXX XXXX XXXX XXXXXXXX. The collection agency added a

{$1000.00} collection commission fee. I received a notice in the mail shortly after, where i responded back. Stating the debt was not mine/wrong amount is due. - No response On XX/XX/year> I called and spoke over the phone to the collection agency, request the commission to be taken off. They stated they could not remove it due to the college added that fee. That fee " had nothing to do with them. '' I went to speak to the cashiers office at the college, and they told me they did not add the fee, the agency did. 

On XX/XX/year> I also requested a settlement. They said student debt was ineligible. 

On XX/XX/year> I sent a debt dispute on their website, indicating the amount was wrong. - No response. 

XX/XX/year> I sent a second debt dispute. Also spoke on the phone with the agency. They denied my settlement offer again, and stated there was no " discount to offer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not open these accounts and was unaware they existed. In accordance with USC 1681g, please remove them from my credit report within 15 days. Supporting documents are provided.

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 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: PA

Complaint narrative:
I use cash app for work my boss pays me in cash app and I pay my partner that works with me and I use cash app for family and friends to borrow money or to pay bills and they closed my account talking about I violated their rules and sent me a review but doesnt explain why they actually closed my account I been using cash app since XX/XX/year> and now they close it I been doing the same thing for a year now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
b"I have been trying to resolve a serious issue involving Capital One and XXXX XXXX XXXX for over two years, without success.\n\nCapital One arbitrarily closed my account and is withholding a $XXXX check made payable to me. They have acknowledged that they are in possession of the check but refuse to release the funds until XXXX XXXX XXXX  provides them with a hold harmless letter. XXXX XXXX XXXX, however, has refused to issue any such letter.\n\nI have personally visited multiple branches of both banks and opened formal cases. I have claim/reference numbers from each institution, and I have submitted all required legal documentation.\n\nThe check in question originates from an account that belonged to my late father. The funds were assigned to me by court order as part of the estate settlement. Therefore, I am both the rightful owner of the originating account (per the estate ruling) and the designated beneficiary of the check.\n\nDespite this, Capital One continues to withhold the funds, and XXXX XXXX XXXX  refuses to cooperate. This has caused extreme frustration, financial harm, and emotional XXXX.\nIt is unacceptable that Capital One continues to withhold the check from its rightful owner, despite having received clear and legally binding documentationincluding a court-issued estate orderconfirming that I am the lawful beneficiary of the funds. This refusal to release the funds lacks legal justification and constitutes an unjust obstruction of my rights.\n\nI respectfully request the CFPB's assistance in compelling both banks to act in good faith and resolve this matter promptly. I am a student and I need the money to pay for my tuition. \n\nXXXX XXXX XXXX claim case \n# XXXX\n\nCapital One claim case \n#XXXX XXXX XXXX XXXX\n#XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am filing a complaint against XXXX for inaccurately reporting information on my credit report regarding American Express account XXXX XXXXXXXX. This account is being reported with repeated monthly charge-offs, which is misleading, inaccurate, and a violation of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681s-2, 1681e ( b ), and 1681i. 
I initially disputed the account with Experian on XX/XX/2025, and followed up with additional disputes on XX/XX/2025, and XX/XX/2025. I also submitted a formal dispute via certified mail directly to American Express. To date, all of my efforts to resolve this matter have been ignored.

Despite being listed as charged off, I have not received a 1099-C cancellation of debt notice, which further supports that the reporting is not only inaccurate but potentially deceptive. XXXX has failed to conduct a reasonable reinvestigation and continues to furnish erroneous information that is negatively impacting my credit.

I am requesting the immediate deletion of this account from my credit report, as it is being reported inaccurately and in violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have inquiries on my Equifax, Transunion, and Experian reports that I did not initiate. This was done without my knowledge or consent. I also filed a identity theft report with the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00}

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX WA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4200.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date : 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 2025-07-15 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 was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: IN

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 non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I placed a stop payment on my bank/debit account for a SPECIFIC company. Days later I receive emails from different companies stating that my payments have returned. I called Capital One on XX/XX/XXXX and after speaking with 5 different people for 3 hours they stated that someone in their department erroneously placed a stop payment on my entire bank account which is why different payments were returning. I then explained to them that one of the companies that were returned was for my rent, which is where I live and they are now threatening eviction. I then asked is there a way I can have proof in writing that it was an error on their end so that i can p0resent it to these different companies on why the payments were returned and they said the only thing they could do is send me a letter with their letter head that will take 15-30 days. I explained to them how that isn't good enough as I have to explain to the companies on why my payments are returned this week since they are threatening account closure and eviction. I have been a Capital One customer for years and I feel like there was no urgency or real solution that has fixed this problem today. I am considering legal action. Also, as i stated above i spoke with 5 people. When I spoke with the second gentleman, I asked him to remove the stop payment on my account & he stated that he removed it. However, when I got to the 5th person, which is the manager, she asked me did I want the stop payment removed as it had not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Tx XXXX Subject : Request for Debt Validation To Whom It May Concern, I am writing validation of debt you claim I owe, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). I do not recognize this debt and require the following : Verification of the debt ( including the amount and original creditor ). Proof that you are authorized to collect this debt. Full details of the original account, including statements or agreements. Please treat this letter as a formal dispute of this debt, and cease all collection activity until the requested validation has been provided. 

If any can not be verified, it must be corrected or removed immediately. 

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 explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Received approved card, made several individual purchases. Agreed to put on fee plan instead of interest plan. However, in small print chase will not allow you to pay off the individual charges. You must pay the entire balance on the card. For instance, if u have XXXX individual purchases each @ {$100.00} totalling {$500.00} and the monthly fee payment is {$5.00} for each purchase and the total fee payment for the month is {$25.00}. Afterwards, I want to pay off one purchase. I can not pay off one purchase. I must pay the entire balance. I think that violates the fairness of the fair credit reporting act. I should be able to individually pay off individual purchases as I have individually purchased them. Instead of keep paying the monthly fees for all purchases in the plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I called aidvantage after hearing my student loans were delinquent. The conversation verified the information since the loan deferral status of my accounts were suspended. When I spoke to the young woman regarding my credit reporting of these delinquencies she offered a retroactive forbearance. I explicitly asked if this would fix the issues now shown on my credit report. She told me it wouldn't change the notation on the account but would correct the payment history. My exact words are 'will it fix the issues on my credit report ''? She assured me it would which was the basis of me getting set up on my autopayments to begin paying on my account. She also told me that this would begin reporting to my credit and it would take a few months for all the reporting agencies to get the updated information on the forbearance so I waited a bit before seeking remedy. 

Today I received a credit report from searching for homes and one of the payments in XXXX of XXXX  still actively shows 90 days delinquent. I called ( XX/XX/XXXX ) aidvantage to ask why this information wasn't updated with the credit agencies yet, and was informed that the forbearance was internal only and would not remedy anything on my credit whatsoever. When I asked why i was told differently that it WOULD be updated for the bureaus, I was then informed that they dont report any of that to them, solidifying the fact that any positive notation or forbearance status of the account was internal only.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$310.00}

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I had no knowledge of these accounts, which were fraudulently opened. I am requesting that they be removed within 15 days according to USC 1681g. See attached evidence.

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 2025-07-15 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: GA

Complaint narrative:
I am filing this complaint because TransUnion is mishandling my dispute under federal consumer protection laws. I submitted a proper FTC Identity Theft Report along with supporting documentation showing that certain accounts on my credit report were the result of identity misuse and coercion-related fraud. These documents were provided together, clearly referencing the same disputed accounts. 

A TransUnion representative previously told me that these documents were acceptable and that the fraudulent accounts would be removed within four days as required by law. Now TransUnion claims the documentation didnt have the information listed correctly and has wrongfully treated my specialized identity theft and coercion dispute as a regular dispute instead. I feel like they are giving me the runaround.

TransUnions refusal to process my dispute correctly is unacceptable and a violation of my rights under the FCRA, specifically 15 U.S.C. 1681c-2, which covers the blocking of information resulting from identity theft. I have done everything I was supposed to do and complied with all federal requirements, but these accounts are still on my report and harming my financial stability. This situation was outside of my control, and to make matters worse, my personal information was also exposed in a data breach, increasing my vulnerability.

I am requesting that TransUnion immediately review my FTC Identity Theft Report and all supporting documents that were timely submitted, permanently block and remove all fraudulent and coercion-related accounts linked to my dispute, send me a corrected copy of my credit report showing the removals, and provide written confirmation that my identity theft rights have been fully honored. TransUnion must comply with the law and stop mishandling my dispute.

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