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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I joined XXXX in XXXX of XXXX, only attending the gym a handful of times. I paid for my membership until XXXX when I called multiple times about canceling my account, despite continuously being charged. I was told multiple times my account had been canceled and I was continuously being charged. Eventually I switched cards and in XXXX they sent me my first notification of an interruption in my account, as well as in XXXX. I then received a Final Notice email on XX/XX/XXXX stating if I didnt pay in 5 days they would take further action. I went in person to confirm my account was closed. I received no follow up emails after this. Today, XX/XX/XXXX of XXXX, a third party company called Aldous & Associates reached out to my emergency contact ( listed when I signed up for XXXX ) via text message sending them a direct link to my name, the amount of debt I owed, and payment plan options. They did not text me or call me until after reaching out to another person in regards to my debt. According to Fair Debt Collection Practices Act they are allowed to reach out to my emergency contact for my whereabouts, without revealing that it is about debt. Not only did they reveal that it is about debt, but they sent my emergency contact the full amount with my full name attached. My emergency contact is not a spouse making this illegal.

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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
Dear Sir/Madam, I am submitting this dispute to the Consumer Financial Protection Bureau regarding the following accounts that I believe have inaccurate or incomplete information on my credit reports. Please review the details below : Charged Off Accounts : XXXX XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$670.00} XXXX XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$640.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$860.00} Late Payments : XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XXXX Capital One suggested I dispute 5 months of Health Insurance premiums charged to my card for $ XXXX mo . Totaling {$1900.00}. My health insurance company XXXX XXXX XXXX. was not responding to me or my providers and I received some bills that should have been covered by my insurance, that were neither paid nor denied and no EOBs were ever sent. Meanwhile I was being charged my monthly premium, with no way to reach the insurance company. 

I provided Capital One with extensive documentation and a cover letter explaining in detail what had happened. I had several conversations with agents in the dispute department and the deadline for filing everything was XX/XX/year>. An agent sent me secure link via email on XX/XX/year> and I used that link to upload all the documents, including a letter stating each case number, one for each of the month 's in dispute, five in all, XXXX, XXXX, XXXX, XXXX, and XXXX. All the documents pertained to all of the cases/ months in dispute. 

On XX/XX/year> I was contacted by someone from Capital One who let me know that each case needed to be separated and uploaded via it's own email link. I was provided with four more separate email links, one link per email to upload the same documents. I did as I was asked and uploaded all the documents with the case numbers to the separate emails on the XXXX. 

First I received five letters, one for each case/month, saying that if the XXXX XXXX company did not respond within a certain amount of time, the dispute would be decided in my favor. ( the charges had already be subtracted from my credit card bill ). A week or so later I began receiving letters saying that because the separate uploads were received after the XXXX, the four cases would be closed and re-charged to my bill.

So, basically, I did exactly as I was asked, in the time frame given, but because some one at Capital One made the mistake of sending me just the one email for uploading, I am unable to dispute the charges for the four months. 

I spoke at length with XXXX from the dispute team, and he acknowledged that Capital One had erred, however he said XXXX would not allow the uploads past the due date. But that is not my problem!

This my be a bit confusing but I hope you get the gist. I have the emails with the dates. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: IN

Complaint narrative:
I have spoken with CashApp UNTOLD amounts of times regarding a payment that was sent to an old account by mistake. I am able to verify my identity readily.. They tell me a XXXX of different reasons, excuses and paths to take to gain access to my fomer account. None of which are fruitful. XXXX $ is in limbo with no way to appropriate these funds. They will not escalate me, they will not give me a mediation route. The sender has contacted them as well. My name is XXXX XXXX XX/XX/year>.

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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XX/XX/XXXX - {$720.00} XXXX - XX/XX/XXXX - {$0.00} XXXX  - XX/XX/XXXX - {$2300.00} XXXX  - XX/XX/XXXX - {$0.00} XXXX  - XX/XX/XXXX - {$4500.00} XXXX - XX/XX/XXXX - {$1500.00} XXXX XXXX  - XX/XX/XXXX - {$1000.00} XXXX  XXXX - XX/XX/XXXX - {$460.00} XXXX XXXX - XX/XX/XXXX - {$610.00} XXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$1100.00} XXXX  - XX/XX/XXXX - {$870.00} Hard 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

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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

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

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

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

Complaint narrative:
I am submitting this dispute to Equifax because the following charged-off accounts are inaccurate, inconsistent, or unverifiable. I request verification of all items and removal of any that can not be fully substantiated.

Charged-Off Accounts in Dispute : XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$1100.00} XXXX  XXXX XX/XX/XXXX {$680.00} XXXX  XXXX XXXX XX/XX/XXXX {$570.00} XXXX  XXXX XXXX XX/XX/XXXX {$3400.00} XXXX  XXXX XXXX XX/XX/XXXX {$4100.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$4700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2300.00} XXXX  XXXX XX/XX/XXXX {$380.00} XXXX XXXX XXXX XX/XX/XXXX {$2500.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$68.00} Request to Equifax : Conduct a full reinvestigation under FCRA 611 .

Provide documentation verifying account ownership, balance, and status.

Remove any unverifiable or inaccurate accounts.

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: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.

Complaint narrative:
I've been paying XXXX on with up to {$50.00} payments online with several credit cards. My wife XXXX paid {$670.00} check that cleared XX/XX/year>. XXXX XXXX XXXX  # XXXX says i owe {$1200.00} Midland Credit Management XXXX XXXX. At attorney XXXX and XXXX XXXX. I have no proof on the account besides my check this amount has been paid. Also I find it interesting they want me now to acknowledge they will not say this account has been paid on my credit reports they completely removed them from credit reports once I stated I was paying on them. I want proof I paid them with receipts. Letters of proof paid them.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts : : XXXX XXXX {$29000.00}, XXXX {$2500.00}, XXXX XXXX {$15000.00}, XXXX XXXX  {$2600.00}, XXXX XXXX {$6500.00}, XXXX {$28000.00}, XXXX {$5000.00}, XXXX XXXX {$6000.00}, XXXX XXXX {$1300.00}, XXXX XXXX  {$980.00}, XXXX {$3900.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay.

Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute an unauthorized and fraudulent credit inquiry that appears on my credit report. I want to make it absolutely clear I never gave this company any form of consent, written or verbal, to access my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, no company has the legal right to pull my credit report without a permissible purpose. This inquiry was made without my authorization, which is a direct violation of federal law.

Not only does this harm my privacy, but it also has the potential to negatively impact my credit score and my overall financial standing. I am fully aware that each inquiry must have a legitimate, verifiable, and documented reason for being conducted, and this company has none. If the bureau or the creditor can not produce a signed, verifiable document showing I gave permission for this inquiry, it must be deleted immediately.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

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: FL

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 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it.

Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief