vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/XXXX, I initiated a balance transfer through Capital Ones mobile application from a newly opened Capital One credit card to pay off an existing XXXX XXXX  credit card balance. The transaction completed without any error messages in the app, and the transferred balance immediately reflected as posted and owed on my Capital One account.

After 17 days with no corresponding credit appearing on my XXXX account, I contacted Capital One and was advised that balance transfers can take up to 30 days to post. During this time, I contacted XXXX multiple times, and they consistently confirmed that there was no record of any incoming payment, pending transfer, or activity associated with this transaction. 
After continued escalation, Capital One later informed me that they identified an error in the transfer details, stating that one digit of the account number may have been incorrect. XXXX XXXX could not confirm which account number was entered incorrectly, whether the error originated from their system or the application interface, or where the funds were actually sent. 
I requested full confirmation of the transfer details, including the destination account number. XXXX XXXX provided a wire/transfer document ; however, the document did not include the receiving account number, making it impossible for me to independently verify whether the information entered was accurate or incorrect. 
Capital Ones current position is that the transfer error may have been user-entered, that they are unable to trace or recall the funds, and that the money may not be recoverable. I was explicitly told there is nothing they can do and that the funds are not guaranteed to be returned.

I am disputing this position. The transfer was initiated through Capital Ones controlled mobile application, processed without error, and posted as a completed transaction on my Capital One account. Capital One has failed to provide sufficient documentation, failed to confirm the destination of the funds, and failed to make a reasonable effort to trace or recover the payment.

I am requesting that Capital One be required to provide definitive proof of where the funds were sent, including full destination account details, and due to the fact there was an error and the funds were never received to credit the transferred amount back to my Capital One account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in XXXXXXXX XXXX XXXX XXXXXXXX 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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THIS COMPLAINT CONCERNS ACCOUNTS APPEARING ON MY CREDIT REPORT THAT I DID NOT OPEN OR AUTHORIZE. I HAVE NO AFFILIATION WITH THESE ACCOUNTS AND FORMALLY REQUEST THEIR REMOVAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: MN

Complaint narrative:
I am disputing the following accounts listed under the charged-off section. The account information, including balances and dates, seems to be incorrect. Please investigate and correct the discrepancies. 

Charged Off Accounts : 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

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 2025-12-23 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute multiple inaccuracies and incomplete entries reported on my credit file by the credit bureaus. Below are the details of the accounts I am disputing for each bureau. 

Charged Off Accounts : 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 XXXXXX/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 2025-12-23 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: FL

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

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 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
My cash app account was closed and I'm trying to withdraw my money from my account and it doesn't allow me to Link a debit card or bank account and every time I contact them to see on being able to access my funds they say I need to appeal it and never get a response back it just keeps having me go in circles

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-23 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: GA

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( XXXX ) that needs to be immediately DELETED. It is as follows : DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX 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  DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-23 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: TX

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA XXXX by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, Florida XXXX XXXX : XX/XX/year> SSN ( Last 4 ) : XXXX Phone/Email : XXXX THIS IS A FORMAL LEGAL NOTICE I am formally notifying you that you are in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate, unverified, and fraudulent accounts on my personal credit report. 
Further, TransUnion, Equifax & Experian has willfully and negligently damaged my credit standing by reducing my score by approximately XXXX points based on inaccurate and unverified data, without validating or confirming its legitimacy. 
I have not entered into any contract, credit agreement, or authorization with any party for the accounts currently being reported, nor have you provided any lawful, documented validation proving that I owe or authorized these accounts. 
LEGAL VIOLATIONS Your actions constitute violations under, but not limited to : 15 U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Failure to verify disputed information 15 U.S.C. 1681n & 1681o Willful and negligent noncompliance resulting in legal liability

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, Florida XXXX XXXX : XX/XX/year> SSN ( Last 4 ) : XXXX Phone/Email : XXXX THIS IS A FORMAL LEGAL NOTICE I am formally notifying you that you are in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate, unverified, and fraudulent accounts on my personal credit report. 
Further, TransUnion, Equifax & Experian has willfully and negligently damaged my credit standing by reducing my score by approximately XXXX points based on inaccurate and unverified data, without validating or confirming its legitimacy. 
I have not entered into any contract, credit agreement, or authorization with any party for the accounts currently being reported, nor have you provided any lawful, documented validation proving that I owe or authorized these accounts. 
LEGAL VIOLATIONS Your actions constitute violations under, but not limited to : 15 U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Failure to verify disputed information 15 U.S.C. 1681n & 1681o Willful and negligent noncompliance resulting in legal liability

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 2025-12-23 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
I am filing this complaint against Santander Consumer USA Inc. for violations of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( b ), for failure to conduct a reasonable investigation, failure to review all relevant information, continued furnishing of unverifiable information, and improper assertion of a security interest without proof of enforceable authority.

I submitted multiple written disputes regarding the above-referenced auto loan. In those disputes, I demanded verification of the accuracy and enforceability of the account, including : An authenticated copy of the original retail installment contract Proof of lawful assignment and complete chain of custody, including documentation showing transfer, delivery, acceptance, and authority to enforce the alleged obligation and any related security interest A full, sworn accounting of the alleged balance Verification of lien perfection and authority Santander failed to provide sworn validation or proof of standing. Instead, they provided unsworn reproductions and system-generated records, which do not satisfy FCRA verification requirements once the accuracy and authenticity of the account were formally disputed.

After exhausting informal dispute procedures, I served a sworn Affidavit of Default and Opportunity to Cure. Santander did not rebut the affidavit or provide the requested documentation.

Despite this, Santander continues to : Furnish the account to consumer reporting agencies Assert a lien or security interest without producing proof of enforceable authority or lawful assignment This constitutes willful noncompliance with 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( E ), including failure to reasonably investigate, failure to verify accuracy, and continued reporting of information that can not be substantiated.

I request that the CFPB require Santander Consumer USA Inc. to : 1. Cease furnishing this account unless and until it is fully verified with competent, sworn evidence 2. Correct or delete any inaccurate or unverifiable credit reporting 3. Provide proof of lawful authority and lien validity or release the lien immediately 4. Provide a written explanation of the investigation conducted and the basis for any continued reporting All documentation, affidavits, and proof of delivery are available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: MI

Complaint narrative:
Charged-Off Accounts in Dispute I dispute the following account reported by TransUnion : XXXX Acct # XXXX Reported XX/XX/year> Balance {$0.00} I am requesting verification of this accounts reporting, including its status and accuracy, or removal if it can not be properly verified. 

Inquiries in Dispute I also dispute the following inquiry : XXXX XXXX XX/XX/year> I do not recognize or recall authorizing this inquiry. I am requesting verification of permissible purpose or removal if no authorization can be 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 non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
I have an account with XXXX XXXX XXXX XXXX XXXX with funds held on the platform. 
My account became inaccessible due to a required security upgrade. 
I completed all requested identity verification, including government-issued ID and selfie verification. Despite this, my funds are not available to me and I can not access my account. I am requesting prompt restoration of account access or an alternative secure method to complete recovery so that my funds are available.

Company response to consumer: Closed with explanation