vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 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: MD

Complaint narrative:
AS A DIRECT RESULT OF THE REPORTING AGENCYS FAILURE TO CORRECT, VERIFY, OR REMOVE FALSE INFORMATION, I HAVE SUFFERED MEASURABLE AND CONTINUING HARM. INACCURATE DATA HAS BEEN USED BY THIRD PARTIES TO DENY CREDIT, ALTER TERMS, AND DAMAGE MY REPUTATION. THIS VIOLATES MY RIGHTS UNDER 15 U.S.C. 1681N AND 1681O, WHICH PROVIDE REMEDIES FOR WILLFUL AND NEGLIGENT NONCOMPLIANCE WITH THE FCRA. 

THE REPORTED ERRORS HAVE CAUSED FINANCIAL, PROFESSIONAL, AND EMOTIONAL DAMAGE, INCLUDING INCREASED INTEREST RATES, DENIAL OF CREDIT OPPORTUNITIES, AND EMBARRASSMENT FROM BEING FALSELY REPRESENTED AS DELINQUENT OR UNRELIABLE. THE AGENCYS CONTINUED FAILURE TO REMOVE UNVERIFIED DATA EVEN AFTER FORMAL NOTICE DEMONSTRATES CONSCIOUS DISREGARD FOR CONSUMER RIGHTS AND FEDERAL LAW. 

FURTHERMORE, THE AGENCYS INACTION HAS ALLOWED THESE ERRORS TO PROPAGATE ACROSS MULTIPLE DATABASES, CREATING A SELF-PERPETUATING SYSTEM OF FALSE INFORMATION THAT IS IMPOSSIBLE FOR A CONSUMER TO FULLY REVERSE WITHOUT REGULATORY INTERVENTION. THIS IS A DIRECT VIOLATION OF THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND TO CEASE REPORTING INFORMATION KNOWN TO BE INACCURATE OR UNVERIFIED.

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 2025-12-27 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: VA

Complaint narrative:
AS A DIRECT RESULT OF THE REPORTING AGENCYS FAILURE TO CORRECT, VERIFY, OR REMOVE FALSE INFORMATION, I HAVE SUFFERED MEASURABLE AND CONTINUING HARM. INACCURATE DATA HAS BEEN USED BY THIRD PARTIES TO DENY CREDIT, ALTER TERMS, AND DAMAGE MY REPUTATION. THIS VIOLATES MY RIGHTS UNDER 15 U.S.C. 1681N AND 1681O, WHICH PROVIDE REMEDIES FOR WILLFUL AND NEGLIGENT NONCOMPLIANCE WITH THE FCRA. 

THE REPORTED ERRORS HAVE CAUSED FINANCIAL, PROFESSIONAL, AND EMOTIONAL DAMAGE, INCLUDING INCREASED INTEREST RATES, DENIAL OF CREDIT OPPORTUNITIES, AND EMBARRASSMENT FROM BEING FALSELY REPRESENTED AS DELINQUENT OR UNRELIABLE. THE AGENCYS CONTINUED FAILURE TO REMOVE UNVERIFIED DATA EVEN AFTER FORMAL NOTICE DEMONSTRATES CONSCIOUS DISREGARD FOR CONSUMER RIGHTS AND FEDERAL LAW. 

FURTHERMORE, THE AGENCYS INACTION HAS ALLOWED THESE ERRORS TO PROPAGATE ACROSS MULTIPLE DATABASES, CREATING A SELF-PERPETUATING SYSTEM OF FALSE INFORMATION THAT IS IMPOSSIBLE FOR A CONSUMER TO FULLY REVERSE WITHOUT REGULATORY INTERVENTION. THIS IS A DIRECT VIOLATION OF THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND TO CEASE REPORTING INFORMATION KNOWN TO BE INACCURATE OR UNVERIFIED.

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 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a single white homeless woman with a XXXX XXXX XXXX and Capital One is over and over and over again locking and restricting my account even though I verify and they confirm and they still lock my account restrict my account I can't use my credit card I have credit card limit of {$300.00} right now plus I'm negative XXXX meaning Capital One owes me XXXX on top of my {$300.00} credit I already have how they owe me and won't let me use it in log into my account that is insane then the checking it and savings account the check it out had for almost 3 years also and they've held my social security check 3 months I couldn't touch a dollar it is a federal law not to garnish or hold wages of social security I did social security due to my XXXX XXXX I need help please So I've had Capital One for like almost 2 years now and it's obstacles after obstacles I go through them jump through hoops do everything they ask and then they lock my card log me out of my account restricts my account locked me out of account don't let me access to my credit card don't let me use my chicken savings account which holds my money to my social security check for XXXX I have a credit card checking account and savings account with Capital One have them since XXXX  it's always a problem like no matter what I do everything they ask I do then they want me to reverify information but yet won't use or let me use the same thing that verified it last time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: MI

Complaint narrative:
I am filing this complaint to dispute unauthorized credit inquiries that were placed on my credit report without my knowledge or consent. I did not apply for credit or provide permissible purpose for the following inquiries. 

XXXX XXXX XXXX XXXX XX/XX/year> I have no knowledge of this inquiry and did not authorize it. 
Law Violations : 15 U.S.C. 1681b ( FCRA 604 ) No permissible purpose 15 U.S.C. 1681e ( b ) Failure to ensure accuracy XXXX XXXX Date : 07/11/2025 This inquiry was not initiated or authorized by me.

Law Violations : 15 U.S.C. 1681b ( FCRA 604 ) No permissible purpose 15 U.S.C. 1681s-2 ( b ) Failure to reasonably investigate I request that the furnishers be required to prove permissible purpose or delete these inquiries immediately if authorization can not be provided, in compliance with the FCRA.

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 2025-12-27 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Recieved notifications regarding applying for bloomingdale credit. I did not apply for such a card on XX/XX/year>. Please remove this information from 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 2025-12-27 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-12-27 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I operate a legitimate business selling original digital media that I create and own. On XX/XX/year>, I conducted a self-initiated {$1.00} test transaction between my own XXXX accounts to verify checkout functionality prior to accepting customers. 

Shortly after, XXXX restricted my account and requested proof of fulfillment and supplier purchase for that test transaction. I explained in detail that no sale occurred, no customer was involved, and that I am the original creator and supplier of the digital goods. 

Despite providing explanations and attempting to comply, XXXX upload tools failed, no human review was provided, and my account was permanently deactivated without a clear explanation of what activity violated policy. 

This action prevents me from operating my business and accessing payment services, despite no evidence of fraud, customer harm, or prohibited activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: IL

Complaint narrative:
Company filed against my credit report, I found out and contacted them directly requesting copies of the bill and how to dispute the charge. They said they would forward to me the requested information. Nothing was received to date. The request was 3 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Transunion updated incorrect information to credit. No investigation was done.

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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federal protected consumer rights to privacy and confidentially under FCRA 15 USC 1681. Below you find list of collection accts with creditors names and balances XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$720.00} After reviewing my Equifax report I've noticed several inaccuracies according to FCRA 15 USC 1681E ( b ) whenever a consumer reporting agency prepares a consumer report it should follow reasonable procedures to assure maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: VA

Complaint narrative:
On XX/XX/, I purchased a XXXX  software license key from a seller on the XXXX XXXX. The purchase price was {$4.00}, and payment was made through PayPal. My PayPal account was charged immediately. 

Case ID : XXXX Dispute amount : {$4.00} USD Transaction ID : XXXX PayPal has all documents related to my communications with XXXX After the purchase, the seller provided a license key that was invalid. Shortly afterward, the seller removed or revoked the key and did not provide a valid replacement. In subsequent communications, the seller admitted that the transaction was not fulfilled and stated variously that XXXX had not processed the charge or that PayPal had not provided payment to the seller. 

I contacted PayPal and opened a dispute, providing all correspondence with the seller showing that the digital product was invalid, revoked, and not delivered. I requested a refund for non-delivery of the paid electronic goods. 

Despite this evidence, PayPal denied my claim, stating that there was no misrepresentation. This denial did not address the actual issue, which was non-delivery of a paid digital product. Whether the seller received payment from XXXX or PayPal is an internal platform issue and should not affect my right to a refund after non-delivery. 

Because PayPal refused to correct the transaction, the following day I was forced to purchase a legitimate XXXX  license directly from the software company at nearly four times the cost of the original transaction. That second purchase was also charged to the balance in my PayPal account.

As a result, I paid twice for the same product and did not receive the benefit of the original transaction. I am requesting review of PayPals dispute-resolution handling and a refund for the undelivered digital product.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: MI

Complaint narrative:
I am filing this complaint to dispute inaccurate and unverified credit reporting related to an account that I have no knowledge of. 

Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$0.00} Status : Charge-Off This account is being reported as a charge-off with a {$0.00} balance, which is inaccurate, misleading, and internally inconsistent. I do not recognize this account and have never received any valid documentation, billing statements, or legal notice confirming that I owe this debt.

Violations of Law 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing inaccurate or misleading information.

15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation after dispute.

I request that the furnisher be required to fully verify this account with proper documentation or delete it entirely from my credit file if it can not be verified in compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I was the victim of a romance scheme. It started on XXXXXXXX XXXX XXXX. I purchased thousands of dollars in gift cards from stores like XXXX, XXXX and other outlets. When I realized I had been scammed, I recorded all the gift card purchases and forwarded that record to Santander XXXX  as a dispute claim. 

There were thousands of dollars of additional purchases made I don't have a record of. It could have also been through XXXX XXXX. 

These transactions occurred over the course of XXXX - XXXX by estimation. 

Santander refused to reimburse me and has a policy of the victim ( me ) going to all those retails corporations directly for reimbursement. 

It is case number : 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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
My credit reports contain inaccurate personal information and inconsistent account reporting across XXXX XXXX XXXX XXXX  Specifically, my reports show multiple variations of my name and address information that are incorrect or outdated. These discrepancies create a risk of a mixed or fragmented credit file and indicate a failure to maintain maximum possible accuracy as required by the Fair Credit Reporting Act ( FCRA ). 

In addition, several accounts are reported inconsistently between the credit bureaus. The same accounts show different balances, payment histories, statuses ( open, closed, paid, or derogatory ), and reporting dates depending on the bureau. Some accounts continue to reflect negative information even though they were closed, paid, transferred, or included in bankruptcy, while others are reported as current on one bureau and derogatory on another.

I have reviewed my credit reports and taken steps to dispute these inaccuracies, but the incorrect information continues to be reported. This suggests that the companies involved did not conduct a reasonable reinvestigation or adequately verify the accuracy of the information before continuing to report it. 

These errors have negatively affected the accuracy of my credit profile and may impact my ability to obtain credit on fair terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AmeriCash Holding LLC
State: IL

Complaint narrative:
My credit reports contain inaccurate personal information and inconsistent account reporting across Experian, TransUnion, and Equifax. Specifically, my reports show multiple variations of my name and address information that are incorrect or outdated. These discrepancies create a risk of a mixed or fragmented credit file and indicate a failure to maintain maximum possible accuracy as required by the Fair Credit Reporting Act ( FCRA ). 

In addition, several accounts are reported inconsistently between the credit bureaus. The same accounts show different balances, payment histories, statuses ( open, closed, paid, or derogatory ), and reporting dates depending on the bureau. Some accounts continue to reflect negative information even though they were closed, paid, transferred, or included in bankruptcy, while others are reported as current on one bureau and derogatory on another.

I have reviewed my credit reports and taken steps to dispute these inaccuracies, but the incorrect information continues to be reported. This suggests that the companies involved did not conduct a reasonable reinvestigation or adequately verify the accuracy of the information before continuing to report it. 

These errors have negatively affected the accuracy of my credit profile and may impact my ability to obtain credit on fair terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: NC

Complaint narrative:
State of North XXXX XXXX of XXXX Equifax XXXX XXXX Data Breach XXXX Experian XXXX Breach XXXX cv XXXX TransUnion Data Breach XXXX cv XXXX I demand the removal of fraudulent items appearing on my personal credit report. For months, I have communicated to your agency that the accounts listed does not belong to me. These accounts stem from theft, a crime of which I am a victim. Your agency received materials, yet the unauthorized accounts remain on my credit report, continuing to damage my credit standing and financial reputation, and continue sending stall letters, which is frivolous. 

A. XXXX XXXX $ XXXX : XX/XX/XXXX XXXX XXXX $ XXXX : XX/XX/XXXX XXXX XXXX Funding LLC/ $ XXXX : XX/XX/XXXX XXXX XXXX XXXX $ XXXX : XX/XX/XXXX Unauthorized Inquiries : TBOM/Milstone : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX This criminal activity has been reported to the appropriate authorities, and I have enclosed a copy of the filed Identity theft report for your reference. The fraudulent accounts are now inaccurately reported as being in collections and/or reflecting late payments, which undermines my financial credibility. Under the Fair Credit Reporting Act ( FCRA ), I am asserting my right to an accurate and fair representation of my creditworthiness. I expect your agency to conduct a thorough investigation into these discrepancies and to remove the fraudulent items without delay. These accounts were opened in my name without my knowledge and continue to damage my personal character and financial well-being. Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within XXXX business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility.

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 2025-12-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: VA

Complaint narrative:
Cashapp still denied my dispute on a atm transaction that I did not do and did not give permission to anyone to use my card. According to the bank in XXXX  cashapp has not even contacted them. I am still requesting my money back, as cashapp isn't investigating nothing on my account. I've gotten nothing but the run around from this company. Cashapp has closed my dispute for the {$440.00} atm transaction.

Company response to consumer: Closed with explanation