vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I transferred USDC ( a cryptocurrency ) to an XXXX wallet address generated by Venmo in their app. The funds were successfully sent and are confirmed on the blockchain, but Venmo refuses to help recover them. 
The wallet address belongs to Venmo, and only they can access the funds. Their support team claims they " can't verify the address, '' despite the fact that it was provided by their own system. 
I'm not asking for a refund just for them to retrieve the funds using the wallet they created. 
I believe this is irresponsible and unfair, and I would like this escalated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Complaint Summary : In XX/XX/year>, I reached an agreement with XXXX XXXX XXXX XXXX XXXX XXXX ) for a goodwill adjustment to remove a late payment from my credit report. Their representatives confirmed that the adjustment would be made and reflected with the three major credit bureaus. 

Despite this agreement and multiple follow-ups, some credit bureaus are now showing an inaccurate late payment for XXXX, which did not occur and was not part of any original agreement or reporting. This inaccurate reporting is a violation of the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] : Failure to maintain maximum possible accuracy of information furnished.

FCRA 611 [ 15 U.S.C. 1681i ] : Failure to conduct a reasonable reinvestigation upon notice of dispute. 

This incorrect reporting continues to harm my credit standing and ability to obtain housing and credit. 

I have attached copies of my communication with XXXX confirming the goodwill adjustment and documentation showing the inaccurate XXXX reporting. 


Attachments : Communication confirming goodwill adjustment Documentation showing inaccurate XXXX late payment reporting Follow-up correspondence with 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 2025-06-28 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: VA

Complaint narrative:
Complaint Summary : In XX/XX/year>, I reached an agreement with XXXX XXXX XXXX XXXX XXXX XXXX ) for a goodwill adjustment to remove a late payment from my credit report. Their representatives confirmed that the adjustment would be made and reflected with the three major credit bureaus. 

Despite this agreement and multiple follow-ups, some credit bureaus are now showing an inaccurate late payment for XXXX, which did not occur and was not part of any original agreement or reporting. This inaccurate reporting is a violation of the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] : Failure to maintain maximum possible accuracy of information furnished.

FCRA 611 [ 15 U.S.C. 1681i ] : Failure to conduct a reasonable reinvestigation upon notice of dispute. 

This incorrect reporting continues to harm my credit standing and ability to obtain housing and credit. 

I have attached copies of my communication with XXXX confirming the goodwill adjustment and documentation showing the inaccurate XXXX reporting. 


Attachments : Communication confirming goodwill adjustment Documentation showing inaccurate XXXX late payment reporting Follow-up correspondence with XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: Lendmark Financial Services
State: NC

Complaint narrative:
There has been a lot of fraud on my credit report with accounts opening that I know nothing about. There have been also a lot of hard inquiries As well.My name is not correct either.In addresses that I never stayed at or also on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: North State Acceptance, LLC
State: NC

Complaint narrative:
There has been a lot of fraud on my credit report with accounts opening that I know nothing about. There have been also a lot of hard inquiries As well.My name is not correct either.In addresses that I never stayed at or also on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account ending in XXXX that are inaccurate and not properly verified. I have disputed this directly to the credit bureaus and the furnisher but the late payments remain without proper validation or docuemntation under 15 U.S.C. 1681c-2.Furnishers must report accurate information under 15 U.S.C. 1681c-2. The credit bureaus must perform a reasonable investigation within 30 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 explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account ending in XXXX that are inaccurate and not properly verified. I have disputed this directly to the credit bureaus and the furnisher but the late payments remain without proper validation or docuemntation under 15 U.S.C. 1681c-2.Furnishers must report accurate information under 15 U.S.C. 1681c-2. The credit bureaus must perform a reasonable investigation within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the XXXX  Data Breach and as a result someone opened up several fraudulent accounts in my name. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the report. According to FCRA 605 B this information must be blocked within 4 days. XXXX  has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

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 2025-06-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: MS

Complaint narrative:
So Ive been getting threatening and harrassing voicemails from a blocked number telling me this : ( My legal name ), my name is XXXX XXXX. I was contacting you in regards to a claim of yours being filed and by law I have to make you aware that your phone number XXXX XXXX XXXX XXXX XXXX  ( not even my phone number & its a weird number ) is being made public record and there is a order out right now for your job or location. You do have the legal rights to contact the office that is processing your claim however you would have to speak with them before it is file once it is discharged from their office & youre being legally notified by phone & I will be having you located unless Im instructed. 
Mind you I called & they said that Im being sued for fraud to get the loan AND not paying the loan and its NOT speedy cash! Apparently its a company thats handling my claim .. and I have to come up with {$1900.00} when I go to court. XXXX  theyre calling from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
Cane and wear company I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: MS

Complaint narrative:
I've recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2025-06-28 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: TX

Complaint narrative:
Violations of : Accuracy : 15 USC 1681 ( e ) ( b ) 15 USC 1681i5a Verification 15 USC 1681i7 As of today, XXXX XXXX XXXX, my account has been completely paid off ; however, my credit report still inaccurately reflects an over-limit balance. This erroneous detail is unjustly affecting my credit profile by suggesting I have exceeded my credit limit, which is not the case. Such misreporting can have serious implications, including impacting my ability to secure favorable interest rates or new credit opportunities, so it is imperative that it be corrected promptly. I have a copy of my bank receipt, which serves as proof of payment, and also Capital One XXXX showing {$0.00} balance, confirming that the outstanding balance was cleared in its entirety. With this evidence, there is no valid reason for the current inaccurate reporting to continue.

Therefore, I am requesting that Capital One Bank USA NA take immediate action to update my credit file, ensuring it accurately reflects my financial status as paid in full. Due to the urgency of rectifying this matter, I also request a rapid rescore of my credit report. This will help ensure that my credit score and report uniformly represent my true financial standing and facilitate any upcoming financial activities I may engage in.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: HI

Complaint narrative:
I am writing to dispute inaccurate and potentially unlawful information on my credit report regarding an account reported by XXXX XXXX XXXX XXXX ( Account # : XXXXXXXX XXXX XXXX  The Date of Last Activity is reported as XX/XX/XXXX, yet the Date of Last Payment is listed as XX/XX/XXXX, which is inconsistent with the account being charged off.

This suggests the account has been re-aged, which is a violation of the Fair Credit Reporting Act ( FCRA 605 ( c ) ), and may result in the account remaining on my credit report beyond the legal 7-year limit.

I request that you : Conduct an investigation with the furnisher ( XXXX XXXX ). 

Verify the accurate Date of First Delinquency. 

Delete the account entirely if it can not be verified as accurate and compliant with FCRA guidelines. 

Please send me written confirmation of your findings and any changes made.

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 2025-06-28 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:
Im a victim of XXXX XXXX XXXXXXXX. I have not provided consent or authorization for any entities to report and/or disclose information about me for any purpose. Under the Gramm-Leach-Bliley Act, 15 U.S.C. 6801-6802, there is an obligation of confidentiality on financial institutions with respect to consumer information. I have not signed or provided an authorization for any entity to disclose my private information with any non-affiliated third party for any purpose, whether in electronic form or hard copy. The disclosure of my information and the reporting of my information without my consent or authorization is illegal and constitutes a blatant violation of consumer privacy protection laws. In relation to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the XXXX XXXX XXXX for the XXXX XXXX XXXX Georgia ( Case No. XXXX ), it is the responsibility of your agency to protect the rights of consumers like myself. Violations include Late Payments : 15 USC 1681 a2Xi Permissible Purpose 15 USC 1681b Responsibilities of Furnishers 15 USC 1681s2 Accuracy 15 USC 1681 ( e ) ( b ) and 15 USC 1681i5a Verification 15 USC 1681i7 The information is frivolous and needs to be removed, I have never authorized the account. 
Fraudulent Account : A. Dept of Education : XXXX # XXXX. Balance {$3200.00} B. Dept of Education : XXXX # XXXX. Balance : {$3200.00} C. Dept of Education : XXXX : # XXXX. Balance : {$2200.00}

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 2025-06-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I submitted a written and certified request to M & T Bank on XX/XX/year>, asking them to evaluate me for the XXXX XXXX XXXX XXXX XXXX. This program is available to qualified veterans like myself with XXXX mortgages who have fallen behind but want to avoid foreclosure. 

Before that, I was told by customer service reps that this program wasnt available, which was incorrect and misleading. I followed up by phone and email, and was later informed via email on XX/XX/year>, that my request had been forwarded to the appropriate team. However, the same day, M & T closed the internal ticket without ever responding to my request or providing written confirmation of eligibility or next steps. 

I am a XXXX XXXX  trying to protect my home and resolve my mortgage delinquency through a program Im entitled to. M & Ts lack of clear communication, ticket closure without action, and inaccurate information is preventing me from accessing critical relief. I am requesting CFPB intervention to ensure my XXXX XXXX XXXXXXXX request is processed and that M & T is held accountable for properly servicing VA loans.

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 2025-06-28 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: AR

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
Consumer complaint received 2025-06-28 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: AR

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
DO NOT BOOK WITH CAPITAL ONE TRAVEL On XX/XX/year>, I booked XXXX flights from XXXX, XXXX to XXXX, XXXX through CapitalOne XXXX. I used my CapitalOne credit card to make the purchase. We purchased our flights for {$2100.00}. On XX/XX/XXXX, XXXX XXXX declined the confirmation. CapitalOne sent me a single email, along with dozens of spam emails to let me know my flight was cancelled after I had been charged the full amount XXXX XXXX prior. XXXX XXXX confirmed this was the error of Capital One. 

The rebooking of this flight is a difference of {$2500.00}. The customer service agents and supervisors at CapitalOne Travel were incredibly rude, dismissive, and unhelpful from start to finish. I was offered {$600.00} total as a credit and was told that's the absolute highest they can go. XXXX & XXXX refused to escalate our repeated calls, wasting over XXXX XXXX of our time trying to reason with them. This is the only step we can take to bring awareness to the inadequate process and pathetic treatment of XXXX XXXX  customers. 

The process is broken and as a middle-man travel agency, they should hold themselves just as accountable as I am held as the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: CA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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