vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to request that you block information in my consumer file that I believe resulted from identity theft, as provided for under 15 U.S.C. 1681c2 of the Fair Credit Reporting Act ( FCRA ). On XX/XX/2025, I received a fraud alert from my credit monitoring service that negative items have been reported to the XXXX Credit Reporting Agencies.I have attached a complete and recent report with my photo identification. I immediately contacted the bureaus for an investigation. It has been over 30 days to no avail. I am concerned because these negative items DO NOT BELONG TO ME! It is hurting my credit scores and I am retired. A Fair Credit Reporting Act ( FCRA ) violation by a credit reporting agency ( CRA ) is a failure to follow the law 's requirements for accuracy, fairness, and privacy in consumer credit information. Common violations include reporting inaccurate or outdated information, failing to investigate disputes in a timely manner, mixing a consumer 's file with another 's, and improperly disclosing information to unauthorized parties. I request the CFPB thoroughly pursue enforcement.

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 2025-10-23 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: Experian Information Solutions Inc.
State: NY

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-23 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: EQUIFAX, INC.
State: NY

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: KS

Complaint narrative:
The account was fully settled, but inaccurate late payment marks remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
My card was charged for a purchase of {$2400.00} on XX/XX/year> for a purchase made from an online Cruise company. 

I opened a fraud investigation on that charge but was told it's not fraud because I never lost my physical card, the payment was made via contactless payment ( again this is an online retailer ), and there was nothing further that I could do to escalate or ask for a review on this case. 

At this point I've spent hours on their customer service line trying to talk to someone who can explain to me what my options are and I have been given none other than contacting the company myself or giving up and accepting the loss. Again, I didn't make the purchase and thus don't have confirmation numbers or anything that is required for the company to help me identify this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
This letter serves as a formal dispute and request for validation of the debt you allege I owe, as listed below, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). 


Date Opened : XX/XX/XXXX Reported Status : Collection account {$870.00} past due as of XX/XX/XXXX Balance : {$870.00} ( as of XX/XX/XXXX ) Status Updated : XX/XX/XXXX On Record Until : XX/XX/XXXX I have no record or knowledge of any legally enforceable debt owed to your company or any entity you represent. Therefore, under federal law, I am requesting that you validate this alleged debt by providing the following within 30 days of receipt of this notice : The name and address of the original creditor. 

A copy of the original signed contract or agreement bearing my signature. 

A complete payment history, showing how the alleged balance of {$870.00} was calculated. 

Proof that you are legally authorized to collect on behalf of the original creditor or that the debt was legally assigned or sold to your company. 

A copy of your debt collection license for my state, proving you are permitted to collect debts here. 

Until this information is provided and verified, you are required to cease all collection activities, including reporting or updating this account with any credit reporting agency. Continuing to report unverifiable information violates both the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. 

If you fail to validate this alleged debt within the legally required timeframe, or if you continue to report this account without proper verification, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I also reserve the right to pursue civil remedies for violations of federal law. 

Please respond to this dispute in writing within 30 days of receipt. If you can not fully validate this account, you must immediately remove all references to it from any credit reporting agencies and cease all contact with me regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
The ongoing presence of this account has caused emotional distress and mental fatigue. Supporting documents are attached for your review and removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: OH

Complaint narrative:
Earlier this evening I was attempting to add my CashApp Account to my XXXX XXXX Account so I could have my accounts being protected & watched with extra security & to help raise my credit account m scores. XXXX XXXX has already successfully added my XXXX & XXXX Accounts as well as working on adding my XXXX Account so I can monitor / validate my spending & help with paying towards any debts I may have by having all my " banking " in over area with extra monitoring to help create spending budgets etc. Upon reaching out to the customer service tonight, they are extremely rude & didn't offer any help. They kept clicking & sending the same messages over & over/ the cutting me off from being able to speak. Upon sending them the screenshot of the information I needed, the agent ignored & completely dismissed everything I was saying. Not even trying to read anything or solve my issue. So I am wanting that person written up & I'm hoping that you can offer a solid situation that doesn't involve closing my account. Please & thank you. All I'm needing is information to be able to add my CashApp account to my XXXX XXXX. All I needed at that time & in assuming in general is " Bank Name " which I assumed was CashApp because I'm just trying to LINK the accounts so I can watch my spending / keep my financial status actively updated. The second thing they asked for was " Bank Web Address ( URL ) " I wasn't exactly sure what that would be for CashApp at I asked the live agent & was completely dismissed & I still need that information to be able to properly link my accounts..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
XXXX Complaint # This company has messed up thousands of people who were trying to purchase a home through them. I ask that this case be reopened. I need my Excellent Credit Rating back. They seem to feel as if they are above the laws that protect consumers and it appears to us out here that this may be so. 

My payment was set up to be withdrawn automatically and the company failed to withdraw it in XXXX. They turned ME into the Credit Bureau and charged me {$25.00}. However, after I called them, the rep on the phone admitted the mistake and refunded my {$25.00}. This company had to do nothing ( according to written information ) but contact XXXX  and admit their mistake. They would not, stating that it was too late. I now have an undesirable credit rating and was late to discover by online complaints that they were no longer a reputable company. I am talking with others at this time to file jointly against this corrupt business. I want my Excellent credit rating back. I am retired and a veteran with {$28000.00}. per year and I am the only caregiver of my wife who has XXXX. Don't bother removing my info, because I am in the process at this time of searching for a lawyer to see justice done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: MO

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 2025-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
dear XXXX  : Never used or had this account. I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( the contract I allegedly signed, if applicable ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA 1692g ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 
Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including Cushman v. Trans Union, Dennis v. BEH-1, Clark v. Capital Credit, and Greco v. Trauner confirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
TransUnion has not deleted information as of XX/XX/year>, that was supposed to be deleted as a result of their investigation. The company responded on the XXXX of XXXXXXXX XXXX  and said actions had been taken already. These actions don't appear to have been taken as I received an adverse letter referencing a public record that TransUnion said they took the action of deleting. 

In CFPB complaint XXXX TransUnion responded as follows : Company responded Status Company responded on XX/XX/year> Response Type Closed with non-monetary relief Company 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report.

DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX-ACTIVE DISPUTE XXXX XXXX  DISPUTE XXXX XXXX XXXXXXXX XXXX-DELETED XXXX XXXXACTIVE DISPUTE It reads XXXX XXXX XXXX XXXX-DELETED that means the action was already taken an should not be on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Debt Validation Account Number : [ Insert if listed on their notice or credit report ] Amount Alleged : {$2800.00} Reported Opened : XX/XX/XXXX To Whom It May Concern, I am writing in response to a collection account reported by your company on my credit report and/or any correspondence I may have received regarding this alleged debt. This letter is a formal request for debt validation made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I do not acknowledge or accept responsibility for this debt. Therefore, I am requesting that you provide proper validation, including but not limited to : 1. The name and address of the original creditor ; 2. The original account number and itemized accounting of the alleged balance ; 3. A copy of the signed agreement or contract showing I am legally obligated to pay ; 4. Documentation showing that your company has the legal right to collect this debt ; 5. The date of last payment on the original account ; 6. Copies of any judgments, charge-off statements, or assignments of ownership.

Until this requested validation is provided, please cease all collection activity, including reporting or verifying this account with any credit reporting agencies. Reporting unverifiable or inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ) and the FDCPA. 
If you can not provide adequate verification, I request that you immediately delete this account from all credit bureaus and cease any further communication regarding it. 
Please send your response to the address listed above within 30 days of receipt of this letter. 
Sincerely, XXXX XXXX ( Sign above your printed name if mailing )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: SC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
On XX/XX/year>, I attempted to transfer approximately {$10000.00} USD worth of XXXX and XXXX from my PayPal account to an external crypto wallet. The transfer failed, and I received an error message stating it could not be completed for security reasons and to try again later. 

I immediately contacted PayPal customer support. The agent explained that this was a temporary security restriction and advised me to wait 7 days before trying again. 

On XX/XX/year>, after waiting the full 7 days, I attempted the transfer again including trying both the full balance and smaller amounts ( e.g., {$110.00} ) but every attempt resulted in the same security error. 

When I contacted customer support again, they informed me that : They could not override the security block. 
They could not provide a specific timeframe for when Id be able to transfer. 
The issue was due to their heightened security review process for crypto transfers. 
The only working alternative was to sell my crypto through their platform, which carries a 2 % fee, instead of transferring out at the 1 % transfer fee.

Effectively, this means PayPal is blocking me from moving my own assets while still allowing me to sell through their platform which would force me to incur a higher fee and trigger a capital gains tax event that I was trying to avoid by transferring to an external wallet.

Support repeatedly acknowledged they had no way to remove the restriction or give any timeline, and I was told to just wait and try again later without any resolution. This has been going on since XX/XX/XXXX, with no clear end in sight. 

I believe this practice is unfair and anti-consumer, as it prevents me from freely accessing and transferring my legally owned crypto assets and effectively pressures me into a more costly transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Someone was able to apply for a credit card in my name and Capital One called me to verify it! And I told Capital one I've never applied for a credit card And it's on my report! As a Hard inquiry! Capital one said it would take 90 days and it would be sent to all Bureas as Fraud! This was all in the same Day moments later as a matter of Fact 2 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: MO

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 2025-10-23 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: MO

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