vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: CA

Complaint narrative:
On XX/XX/year> I disputed a rental collection account that Equifax is reporting for XXXX XXXX XXXX XXXXXXXX XXXX XXXX 

As part of my dispute, I provided Equifax with a minute order from my Unlawful Detainer case clearly showing that no money judgment was entered against me. The court dismissed the case, and the landlord was not awarded any monetary amount. 

Because there is no judgment, the balance XXXX is reporting can not be legally verified as owed. 

Despite receiving this court document, Equifax did not conduct a reasonable reinvestigation under FCRA XXXX. They simply marked the account as verified, even though the court record contradicts the validity of the debt. 

Equifax did not address the fact that the furnisher can not legally substantiate the amount they are reporting. Instead, Equifax only updated unrelated fields like the balance date and status date. 

Equifax did not provide what I requested. 

Equifax did not conduct a reasonable reinvestigation. They did not require the furnisher to produce documentation proving the accuracy of the debt. They did not address the evidence I provided. 

Instead, Equifax simply marked the account as verified, relying solely on the furnishers automated response. They updated unrelated fields but did not correct the inaccurate or inconsistent information I disputed. 

The reporting remains inaccurate and unverified, and Equifax failed to consider the actual court document I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XX/XX/year> and XX/XX/year> I'm now requesting you to investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, 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. This fraudulent, inaccurate address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This inaccurate address have resulted in fraudulent on my consumer credit report. I do not recognize the aforementioned inaccurate addressas reported. The aforementioned items appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned items, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit items are the result of identity theft and fraud.

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 2025-12-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: ACXIOM CORP.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX have all violated my rights as a consumer under FCRA 15 USC 1681c-2. They knowingly reported inaccurate information. I need these items blocked and removed from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/year>, XXXX  publicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identified as an affected consumer and received notice of the breach. Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my XXXX  credit report. I do not authorize XXXX  or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach. 

Harm Caused : These derogatory accounts have damaged my credit standing and impaired my ability to obtain financing. Because XXXX  allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appearonmyfile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XX/XX/year> : BofA XXXX Bank of America ) Security texted me stating they were trying to reach me about suspicious activity on my credit card. The text stated to reply YES is I authorized this activity, and " NO '' if not. I replied " NO ''. Bank of America also emailed me regarding the same suspicious activity. 
XX/XX/year> : XXXX consecutive charges for {$500.00} were posted to my account by merchant XXXX XXXX XXXX XXXX XXXX 
XX/XX/year> : Bank of America issued a temporary credit of {$2000.00} to my account while the charges were being investigated XX/XX/year> : I receive a letter from Bank of America stating that they removed the {$2000.00} credit. They stated that the merchant provided documentation confirming that I received the merchandise or service. 
XX/XX/year> : I called Bank of America 's fraud/dispute department . I explained to the representative that the bank did not approve my claim, and that they made their decision based on some invoice claiming that I purchased detailing service for an XXXX. I don't own an XXXX  and there is no evidence that I received auto detailing for an XXXX. The only evidence is a piece of paper which says that I purchased those services. The rep told me she will have the claim re-opened. 
XX/XX/year> : There have been no changes or updates to my claim, and the {$2000.00} remains on my statement

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 monetary relief
Consumer complaint received 2025-12-03 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: GA

Complaint narrative:
I applied and was approved for a credit card. Shortly thereafter, my account was restricted and I was told to submit my bank account information which I did and my account was unblocked. I ended up experiencing fraud on my account. I contacted capital one and the situation was immediately resolved. Upon receiving my new card, I attempted to make a transaction and my account was immediately restricted. Once again I was asked for bank statements to confirm my identity for a second time. I submitted bank statements from the same bank I submitted from previously and was told I couldnt be verified. I was told my income couldnt be verified. It should be noted that my yearly income has remained consistent but my month to month fluctuates. Given the fact that I previously submitted and passed verification not even three months prior, I would like for capital one to immediately remove the restriction from my account and allow access to my credit limit. I have incurred an inquiry which will affect me for the next two years. Its not reasonable to expect for bank statements to be the go to form every time there is an identity concern on my account and to experience an account restriction for almost a week while undergoing consistent verification every time I use my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing this complaint because Cash App ( Block, Inc. ) closed my account without providing a specific reason or identifying which policy I allegedly violated. I was only given a generic statement about policy violations with no detailed information. I operate a small nail business and receive regular payments of {$30.00} {$35.00} from clients for pedicure services. I also receive occasional support from family members for my child, XXXX. All transactions are legitimate and directly tied to business activity or childcare support. I can explain every transaction on my account, and none are related to prohibited or suspicious activity. Cash App closed my account without warning and without giving me the opportunity to provide clarification. This action has disrupted my business income and my ability to support my child. Furthermore, the company has not provided transparency regarding the reason for the closure, which prevents me from resolving the issue. am requesting the CFPBs assistance to obtain : A clear, specific explanation of the policy Cash App claims I violated. 
A review of my account and an opportunity to respond to any concerns. 
Reinstatement of my account and release of any held funds. 
Cash Apps lack of communication and transparency has caused financial hardship and appears to be an unfair business practice. 
Name : XXXX XXXX XXXX : XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: GA

Complaint narrative:
Accounts Needing Attention XXXX XXXX  - XXXX - Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
My PayPal account was permanently limited without a clear explanation. I am not a seller of physical goods ; I provide in-person birth doula services and have no disputes or chargebacks. PayPal is holding my funds for up to 120 days, which is creating hardship. I am requesting a review and earlier release of my funds my clients sent to me as a deposit payment for my services. I have already provided PayPal with all requested documents, including my government-issued ID and a written explanation, yet my issue remains unresolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am filing a complaint against Portfolio Recovery Associates ( PRA ) regarding an alleged debt they claim I owe. I requested debt validation under the Fair Debt Collection Practices Act ( FDCPA 1692g ) for the account ending in XXXX, but PRA failed to legally validate the debt in response to my letter sent out XX/XX/year>. 

PRA sent a packet that did not satisfy FDCPA validation requirements. They did not provide a signed contract or original agreement showing I opened or authorized the account. They also did not provide a complete accounting from XXXX XXXX XXXX  showing how the balance of {$1000.00} was calculated. The bill of sale provided is generic and does not list my name or account number. Therefore, it does not prove that my specific account was included in the sale. 

The spreadsheets and summaries they provided were generated by PRA and are not official documents from the original creditor, and therefore do not constitute legal validation. Without proper validation, PRA is not permitted to continue collection activity or furnish this debt to the credit bureaus. 

Despite the lack of validation, PRA continues to report this debt to the credit bureaus, which violates : FDCPA 15 USC 1692g ( b ) ( continued collection activity without validation ) FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( A ) ( furnishing inaccurate or unverified information ) FCRA 15 USC 1681i ( failure to correct unverifiable information )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: MI

Complaint narrative:
My federal student loan servicer, XXXX, is illegally reporting late payments during the XXXX administrative forbearance period ( XX/XX/XXXX XX/XX/XXXX ). 
Under the CARES Act Section 3513, all qualifying federal student loans were placed into automatic administrative forbearance. During this period : No payments were required No interest accrued No delinquency could legally occur Servicers were prohibited from reporting any missed or late payments All borrowers were to be reported as current Despite this, XXXX has furnished late payments to the credit bureaus during this timeframe, which is legally impossible and a violation of federal protections. 
This inaccurate reporting has negatively impacted my credit score and my mortgage readiness. I have attempted to dispute this directly with the credit bureaus and XXXX, but the inaccurate late payments have not been removed. 
This violates : CARES Act 3513 FCRA 607 ( b ) ( accuracy requirements ) FCRA 611 ( duty to delete inaccurate/unverifiable data ) FCRA 623 ( a ) ( furnisher responsibilities )

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 2025-12-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have requested the incorrect amount be removed from my credit report show I am NOT late and I do not have a balance due. I paid the bill on XXXX I have disputed this ( XXXX ) times and it coming back verified and I sent proof the amount was paid I have talked with XXXX and Equifax and they one will fix this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have been a long-time Wells Fargo customer with multiple accounts, including XXXX business checking accounts, a personal checking account, a Wells Fargo credit card, and a Wells Fargo mortgage that is and has always remained in good standing. 

In XX/XX/year>, Wells Fargo abruptly and without any prior notice closed my credit card account. Shortly after, they closed my personal checking account and then closed XXXX of my business accounts. I have never been delinquent on any Wells Fargo product. My credit score is excellent, I maintain significant assets, and I have consistently paid my credit card in full each month. 

I contacted Wells Fargo immediately after the closures. They refused to provide any explanation and cited their cardmember agreement language stating they can close accounts at their discretion. The representatives repeatedly told me they were not permitted to disclose the reason. 

I then opened a new account elsewhere and began transferring my funds out of Wells Fargo. My final remaining account contained over {$150000.00}. I was waiting for a final wire to post so I could close this last account. 

The moment the incoming wire cleared, Wells Fargo froze my remaining account without warning and refused to allow me to transfer, withdraw, or wire out my own funds. Instead, they stated they would mail me a physical check for the full balance. They did not permit any electronic transfer of funds whatsoever. 

I reiterated that : I have no overdrafts, no late payments, no unusual cash deposits I have never been delinquent on any Wells Fargo credit product I operate legitimate businesses and have substantial documentation My mortgage is current and has never been late Wells Fargo still refused to explain why they froze my account or why they were forcing a check instead of allowing me to transfer my own money. Representatives stated that they just didnt have to give me a reason or any advance notice. 

This abrupt freezing and forced closure created significant hardship, disrupted scheduled payments, and prevented me from accessing my own funds. Wells Fargos actions were arbitrary, unexplained, and financially damaging.

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 2025-12-03 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: NY

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 explanation
Consumer complaint received 2025-12-03 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: MN

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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 observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a personal credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1900.00} Date Opened : XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$430.00} Date Opened : XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$930.00} Date Opened:XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$710.00} Date Opened:3/1/2022, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$730.00} Date Opened:XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$1600.00} Original Creditor XXXX XXXX Date Opened:XXXX XXXXXXXX XX/XX/XXXX and XXXX  XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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.

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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