vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc
State: GA

Complaint narrative:
On XX/XX/XXXX i disputed Bull City Financial Solutions, because they have had that me and my daughter owed XXXX XXXX. And I've disputed it 2 times on XXXX, 3 on XXXX, and XXXX. The credit bureau says that it was valid. How's it valid when first of all i never had an account with Bull City and XXXX they can't charge two different people and the account wasn't even mine. 
In XX/XX/XXXX my daughter had to pay off the account with XXXX XXXX and its still on my credit report to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-07-22 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: FL

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 XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: MA

Complaint narrative:
My account got hacked and they stole my card with things invested in as in. Capitols then somebody also filed. My taxes for XXXX $ and now XXXX all messed up so XXXX asking for all my money back thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: ME

Complaint narrative:
A direct deposit was sent into my account for the amount of {$30000.00} and my account was frozen and i verified it with my DL and a selfie and bank statement. I was allowed to make withdrawals and make payment for XXXX  days and it was frozen again and they asked for the same information from last time and proof of funds as additional document which i provided and my account was opened again and i did the same thing i always do which is to make withdrawals with my debit card and send payment to other Venmo users which is nothing wrong if i am correct. On XX/XX/year> my account was frozen again with my balance of {$20000.00} and i was told to send the same documents and i sent them again but this time they are refusing to open my account or let me take my funds and putting it on hold for XXXX  days which i can not let happen because this is my only source of income at the moment and i have medical bills to pay because i just had a XXXX XXXX. Please i need urgent help because they are claiming they can keep the money if they decide its theirs to keep

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
Our Capital One Spark credit card account has been open for years. We have a {$50000.00} credit limit. Our account is a business account. The account is used for XXXX time purchases, reoccurring purchases and is on file and authorized to process payments by trusted vendors. The account balance is always paid on time, in full each month. We have excellent credit, usage and payment history. In XXXX of XXXX  a restriction was placed on the card number used by XXXX. On the XXXX occasion in XXXX, Capital One required the submission of photo ID for XXXX. The submission was made the same day BUT Capital One statement is this verification takes up to 14 days to complete the process and remove restrictions. It was done in that time period. Unfortunately today XX/XX/year> a restriction has been placed on the account for XXXX. XXXX was sent via TEXT Message uploaded pictures of my XXXX  Drivers License and a selfie. After sending it the the Capital One customer service representative said they could not use the upload to verify. using the text number XXXX. On the same call which lasted for XXXX minutes they requested an upload from the TEXT number of the " XXXX '' card holder XXXX. When she gave them that text number XXXX the XXXX representative said that number could not be used to perform the ID and selfie photos submission. Each time Capital One Fraud Prevention has reached out since XXXX we have responded immediately. BUT in XXXX as well as today the verification can take up to 14 days. Using these credit card accounts can not be restricted for extended periods of 14 days while fraud prevention runs ID verification repeatedly. On today 's XXXX minute call I attempted to escalate the verification issues to XXXX different levels. None of the XXXX reps provided any means to remove the restrictions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: MI

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 : ACCOUNTS : XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$910.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: AZ

Complaint narrative:
XXXXinaccurate information. please see attachments below'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: AZ

Complaint narrative:
XXXXinaccurate information. please see attachments below'

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I was a co-borrower on a Capital One auto finance loan ( account ending in XXXX ) for a XXXX XXXX XXXX. However, in my divorce ( XXXX XXXX XXXXXXXX, issued XX/XX/XXXX ) the court reassigned all responsibility for the vehicle in the remaining loan balance to my ex spouse XXXX XXXX XXXX XXXX The decrease states : " the XXXX XXXX XXXX shall be immediately sold. The proceeds from the sale of the XXXX shall be used to pay off the auto loan. If there is any short fall on the loan amount, the plaintiff shall be solely responsible for the remaining loan obligation. '' I no longer possess or control the vehicle and should not be financially reliable. Despite this, Capital One continues to report me as responsible for this loan, including miss payments. This has caused serious damage to my credit report and inability to lease an apartment. 

I submitted dispute letters to XXXX XXXX XXXX XXXXXXXX XXXX and also mailed a direct dispute to Capital One with a divorce decree and ID. Capital One replied that they received the information " from XXXX XXXX '' but took no further action. They failed to address the XXXX or update the trade line.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: AZ

Complaint narrative:
In XX/XX/XXXX, an account from XXXX XXXX was fraudulently added to my Equifax credit report with a charged-off balance of {$1600.00}. I have submitted at least XXXX dispute letters requesting removal under the FCRA, including identity theft documentation, but the account remains. Equifax continues to report it as Consumer disputes after resolution, which violates FCRA 1681i and 1681c2.

Additionally, Experian shows unauthorized hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These were never approved and violate FCRA 1681b.

All CRAs have failed to act within legal timeframes and continue to report inaccurate or unauthorized items, despite multiple verified disputes. This is a clear FCRA violation, and I intend to pursue legal action, including civil penalties of {$1000.00} per violation. 

PLEASE SEE ATTACHMENTS BELOW

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: AZ

Complaint narrative:
In XX/XX/XXXX, an account from XXXX XXXX was fraudulently added to my Equifax credit report with a charged-off balance of {$1600.00}. I have submitted at least XXXX dispute letters requesting removal under the FCRA, including identity theft documentation, but the account remains. Equifax continues to report it as Consumer disputes after resolution, which violates FCRA 1681i and 1681c2.

Additionally, Experian shows unauthorized hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These were never approved and violate FCRA 1681b.

All CRAs have failed to act within legal timeframes and continue to report inaccurate or unauthorized items, despite multiple verified disputes. This is a clear FCRA violation, and I intend to pursue legal action, including civil penalties of {$1000.00} per violation. 

PLEASE SEE ATTACHMENTS BELOW

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 2025-07-22 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: NY

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-22 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: OK

Complaint narrative:
I am submitting this complaint due to fraudulent auto loans that were opened in my name without my knowledge or consent, and the subsequent lack of action or communication from the financial institutions involved. On XX/XX/year>, I contacted XXXX XXXX after discovering a repossession reported under my name. I requested documentation regarding the alleged auto loan, which totals approximately {$53000.00}. I made clear that I did not authorize the use of my identity or Social Security Number for any such loan. Shortly after, I also discovered a second fraudulent auto loan in the amount of {$51000.00} with XXXX XXXX. Despite repeated attempts to contact both institutions and request information or resolution, I have received no substantial updates or evidence of investigation. Both accounts continue to appear on my credit report and are affecting my financial standing. I filed a police report for identity theft on XX/XX/year>, and have taken all appropriate steps to report this crime to the Federal Trade Commission. Additionally, I have not applied for a new vehicle in over seven years, nor have I attempted to obtain any auto financing until very recently, further confirming that these accounts are unauthorized and fraudulent.

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 2025-07-22 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: OK

Complaint narrative:
I am submitting this complaint due to fraudulent auto loans that were opened in my name without my knowledge or consent, and the subsequent lack of action or communication from the financial institutions involved. On XX/XX/year>, I contacted XXXX XXXX after discovering a repossession reported under my name. I requested documentation regarding the alleged auto loan, which totals approximately {$53000.00}. I made clear that I did not authorize the use of my identity or Social Security Number for any such loan. Shortly after, I also discovered a second fraudulent auto loan in the amount of {$51000.00} with XXXX XXXX. Despite repeated attempts to contact both institutions and request information or resolution, I have received no substantial updates or evidence of investigation. Both accounts continue to appear on my credit report and are affecting my financial standing. I filed a police report for identity theft on XX/XX/year>, and have taken all appropriate steps to report this crime to the Federal Trade Commission. Additionally, I have not applied for a new vehicle in over seven years, nor have I attempted to obtain any auto financing until very recently, further confirming that these accounts are unauthorized and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
Subject : Formal Demand to Block Fraudulent Information Identity Theft Claim Under 15 U.S.C. 1681c-2 To Whom It May Concern, This letter serves as a formal demand under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ) to immediately block the reporting of fraudulent information on my credit report resulting from identity theft. 

The following information has been fraudulently attributed to me and must be removed without delay : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with federal law, you are required to block this information within XXXX business days of receiving : Proof of my identity ( enclosed : government-issued ID and utility bill ) A copy of my identity theft report ( enclosed : police report or FTC affidavit XXXX Identification of the fraudulent information My sworn statement that this information does not relate to any transaction I made

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: NJ

Complaint narrative:
I am filing this complaint because the consumer reporting agency has included unauthorized hard inquiries on my credit report, which were not initiated by me. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ). These sections prohibit reporting inquiries not initiated by the consumer unless specific conditions are met, such as prior written authorization or a firm offer of credit. I did not authorize these inquiries and never provided my written consent. As such, their presence on my credit report is unlawful. The consumer reporting agency has also failed to provide evidence of permissible purpose or documentation containing my signature authorizing these inquiries.

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