vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
It started back in XXXX of this year when I was scammed out of {$300.00} via XXXX I put a stop payment on the transfer and XXXX froze my account per their protocols. I filed police reports and did everything I could to try to get them to refund or collect their own money back which they forwarded. They advised me that this was not the case and that I still owe them {$280.00}. I opened up another XXXX  account and for unknown reasons after the account was opened and I was able to request money from family and {$430.00} was transferred into that account. XXXX then froze that account Reluctantly I paid the {$280.00} back to unfreeze the account and the account was unfrozen per their promise of being unfrozen after XXXX hours. I spoke with several people on the matter and the last email I got from XXXX was that the account was frozen and they were holding my {$430.00} for the next 185 days They would not answer any more calls on this nor respond to any emails until it was done. My last correspondence with XXXX was you are more than welcome to close my account but go ahead and send the money back to the people who forwarded me the money which is my girlfriend and her daughter no response from XXXX  I would like my {$430.00} back either directly sent to me or refunded to the XXXX senders as it is being held in an account that shows where it came from. Is there any assistance you can give me on this?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
began receiving emails from capital one about a new 360 checking account being opened up in my name. The emails included the last for digits of an account number, had my proper name and address. XXXX email said that my phone number had been updated, but did not provide that phone number ( I have received no text messages from capital one, only emails ). The last email I received said that I would be receiving a new debit card to my current address ( which was correct ). I sent a copy of the emails to XXXX and filled out a phishing report. 

I called capital one, and spoke with a person in accounts, that verified that an account was opened in my name, and that I was a victim of identify theft, and that I file a cfpb report, and contact the credit reporting agencies. The could not give me any case number or other detailed information without a letter sent to them requesting the information, and providing the cfpb report and 2 government issued forms of id.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am writing to report that American Express closed all my credit card accounts without adequate notice or explanation, resulting in the loss of substantial rewards points that I had accumulated over time. 

On XX/XX/year>, American Express closed all XXXX of my credit cards and forfeited all my reward points and miles that should be worth more than XXXX XXXX dollars. In the email they sent me, they claimed that the accounts were closed due to indications of misuse without specifying how I had misused my cards, and I am unable to have them reinstated. I don't think I ever misused my cards. Instead, I think they just wanted to steal away my rewards. 

I have waited for almost XXXX months, hoping they could send me more emails explaining the reasons, but I have not heard from them ever since. A friend of mine told me that he also had this experience, and contacting American Express is no use. He recommended that I directly seek help from the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. 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 enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-16 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: PA

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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XX/XX/year>, I discovered a fraudulent account listed as XXXX XXXX XXXX on my credit report, showing a balance of {$240.00}. I did not open this account, authorize it, or receive any services from this company. I immediately filed a formal Identity Theft Report with the Federal Trade Commission ( FTC ), Report Number XXXX, declaring under penalty of perjury that this account was opened fraudulently without my knowledge or consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: UT

Complaint narrative:
I get called at least once a day from this company called Sequium Asset Solutions apparently its a debt collector but my phone labels it as Scam Likely so I never answer the phone, this has been going on at least since XX/XX/2025. I would really like the phone calls to stop. If it was important then theyd either leave a voicemail or actually mail me something instead of harassing me about something I have no knowledge of

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: IL

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 explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-16 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: SC

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 



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 non-monetary relief
Consumer complaint received 2025-07-16 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:
b'Unfortunately, I have noticed some violations of my consumer rights as a federally protected.\nLate payments\n\n Per 15 usc 1681a 2 a (i) , it is illegal for a consumer reporting agency to report a consumers experiences and transactions; payment history, these "late payments" must be reversed and this account updated immediately Per 15 usc 1681a 2 a (I) Experian a "consumer reporting Angency" cannot legally report consumer transactions and experiences the late payments on This account must be updated & reversedfrom my consumer report. 15 usc 1681a 2 a (i) states that my transactions and experiences should not be a part of my consumer report. This account breaks the law and violates my rights , lawfully this must be updated and reversed . Immediately 15 usc 1681a 2 a (i) 2) Exclusions.Except as provided in paragraph (3), the term consumer report does not include (A) subject to section 1681s3 of this title, any (i) report containing information solely as to transactions or experiences between the consumer and the person making the report; Per 15 USC 1666 (a)Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637(b) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The following accounts have been reflecting  late payments onto my consumer report, which is a violation of my consumer rights. No interaction between a creditor and a consumer maybe communicated without my written permission and I do not give the following accounts or companies any permission to report these late payments please update and remove these late payments from my consumer report.. This account is to stay open and active. I am not disputing this account to close out. I am calling attention to the violation of 15 SC1666B timing of payments. .30 days late these remark on my consumer report is unlawful and violate my consumer rights. It must be update immediately. 15 usc 1681a 2 a (i) states that my transactions and experiences should not be a part of my consumer report. This account breaks the law and violates my right legally it must be updated \n\nAccount Name: XXXX XXXX XXXX XXXX XXXXAccount Number: XXXX XXXX XXXX XXXXAccount OpenedXXXX XXXX XXXXLate payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: LA

Complaint narrative:
b'Unfortunately, I have noticed some violations of my consumer rights as a federally protected.\nLate payments\n\n Per 15 usc 1681a 2 a (i) , it is illegal for a consumer reporting agency to report a consumers experiences and transactions; payment history, these "late payments" must be reversed and this account updated immediately Per 15 usc 1681a 2 a (I) Experian a "consumer reporting Angency" cannot legally report consumer transactions and experiences the late payments on This account must be updated & reversedfrom my consumer report. 15 usc 1681a 2 a (i) states that my transactions and experiences should not be a part of my consumer report. This account breaks the law and violates my rights , lawfully this must be updated and reversed . Immediately 15 usc 1681a 2 a (i) 2) Exclusions.Except as provided in paragraph (3), the term consumer report does not include (A) subject to section 1681s3 of this title, any (i) report containing information solely as to transactions or experiences between the consumer and the person making the report; Per 15 USC 1666 (a)Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637(b) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The following accounts have been reflecting  late payments onto my consumer report, which is a violation of my consumer rights. No interaction between a creditor and a consumer maybe communicated without my written permission and I do not give the following accounts or companies any permission to report these late payments please update and remove these late payments from my consumer report.. This account is to stay open and active. I am not disputing this account to close out. I am calling attention to the violation of 15 SC1666B timing of payments. .30 days late these remark on my consumer report is unlawful and violate my consumer rights. It must be update immediately. 15 usc 1681a 2 a (i) states that my transactions and experiences should not be a part of my consumer report. This account breaks the law and violates my right legally it must be updated \n\nAccount Name: XXXX XXXX XXXX XXXX XXXXAccount Number: XXXX XXXX XXXX XXXXAccount OpenedXXXX XXXX XXXXLate payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: CA

Complaint narrative:
My cash app account is compromised and link to another bank that's mine that was made fraudulently connected with my insuranceFDiC I did not no this entire time that my account had previous been being used and have certain terms. I never opened a XXXX XXXX  account nor XXXX XXXX XXXX  account I never tried to connect my FDIC insurance policy to any account until just recently when I opened my XXXX  XXXX account. People are stealing my trust fund on the daily a lot of people are involved with stealing my mail information emails my phone is compromised I have no control over anything really in my life. I honestly don't know what to do I have been struggling homeless while people are enjoying my trust fund. I never agreed to none of these terms. I need the documents and account numbers to all these fraudulent accounts and I need to see the paper work of all the terms of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. 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 enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Credit & Collection, Inc.
State: PA

Complaint narrative:
Breach of Contract / Misrepresentation : I was verbally toldduring a recorded therapy sessionby the therapist that I had good insurance and that I would not owe anything. 

I've filed ethical complaints against company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
Im writing to formally dispute an inaccurate tradeline currently being reported on my credit file. The information being reported is not accurate, and more importantly, it fails to meet the standard of maximum possible accuracy as required by 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act.

Let me be clear if a tradeline can not be reported with complete and verifiable accuracy, then you are not legally allowed to report it at all. Right now, the way this account is appearing on my credit report is misleading, harmful, and not reflective of my true credit history. Thats unacceptable, and I will not sit back while my credit profile is being damaged by something that shouldnt even be there. 

As a consumer, I am exercising my legal right under federal law to demand that this inaccurate tradeline be removed in full. If you can not ensure that every detail balance, status, dates, payment history, and ownership is correct and fully substantiated, then it must be deleted. Reporting anything less than 100 % accurate information is a direct violation of your obligations under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation