vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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: MO

Complaint narrative:
I am a documented fraud victim and my consumer credit files have been unlawfully accessed and polluted with multiple unauthorized inquiries. These companies never had my consent, never had a permissible purpose under FCRA 1681b, and never provided any signed authorization. Despite the fact that fraud alerts are active across all three bureaus, the bureaus have failed to block these inquiries under FCRA 605B within the required four business days. 

The following inquiries are fraudulent and unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not give them permission to pull my credit. I did not authorize them in writing, electronically, or verbally. These inquiries are the result of identity theft and data breach exposure. 

The credit bureaus have violated federal law in the following ways : FCRA 605B : They failed to block fraudulent inquiries from my file within four business days even after receiving my disputes, fraud alerts, and identity theft documentation. 

FCRA 611 ( a ) ( 7 ) : They failed to provide the legally required Method of Verification showing who verified these inquiries, how they were verified, and what documentation was used. No signed application or proof of authorization has ever been provided.

FCRA 1681e ( b ) : They failed to follow reasonable procedures to assure maximum possible accuracy by continuing to report inquiries that are false, unauthorized, and unverifiable.

FCRA 1681n and 1681o : Their actions and omissions amount to willful and negligent non-compliance with federal law. 

The continued reporting of these unauthorized inquiries has caused direct and ongoing harm to me. It lowers my credit scores, damages my creditworthiness, and exposes me to further fraud and financial injury. The bureaus are knowingly leaving false and unauthorized information in my file even after formal disputes and even while CFPB complaints are pending. 

This is reckless, unlawful, and in direct violation of my rights under federal law. 

I demand that the CFPB take immediate enforcement action to compel the deletion of all unauthorized inquiries listed above, require the credit bureaus to produce full Method of Verification including signed contracts or applications, and ensure that all bureaus comply with FCRA 605B by blocking and suppressing fraudulent information. 

The credit bureaus have ignored their legal duties and are continuing to injure me with false reporting. This is willful non-compliance that can not be excused.

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 2025-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My information was shared without my consent and I would like all this accounts removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: NY

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: WI

Complaint narrative:
This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me and that I did not profit from these accounts having been opened. The below listed accounts by the original creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
Likewise these COLLECTIONS ACCOUNTS are also not mine. 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence CAINE WEINER Account Number : XXXX XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/year>2025 I reported and filed a dispute for 3 transactions of {$91.00}. I sent in additional information that was asked of me as well. On XX/XX/year>2025, the 10th day of investigation, I contacted the institution, XXXX, to request a provisional credit since the investigation was going to take longer than 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
This is not a duplicate account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Certified Mail Return Receipt Requested AFFIRM , INC . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Dispute of Accounts AFFIRM INC ( XXXX & XXXX ) NOTICE OF FORMAL DISPUTE This letter is submitted pursuant to the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i, 1681s-2, 1681b ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ).

BACKGROUND Account XXXX : As documented in FTC Report No. XXXX, Affirm sold this account to another collection agency without my consent, which means you no longer own the account. The balance should report as XXXX. Any attempt to collect or furnish information suggesting otherwise constitutes a privacy violation and inaccurate reporting. 

Account XXXX : As documented in FTC Report No. XXXX, Affirm sold this account as well, yet it is still being reported as a charge-off with a balance, which is inaccurate. Since Affirm no longer owns the debt, this is fraudulent reporting.

LEGAL VIOLATIONS Furnishing Inaccurate Information 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) A furnisher may not provide information it knows or should know is inaccurate. Reporting balances on sold accounts violates this duty.

Duty to Correct & Update 15 U.S.C. 1681s-2 ( a ) ( 2 ) Furnishers must update consumer reporting agencies with complete and accurate information, including reflecting a {$0.00} balance upon sale/assignment.

Consumers Right to Dispute 15 U.S.C. 1681i Once disputed, the CRA and furnisher must conduct a reasonable investigation and provide the method of verification.

Permissible Purpose 15 U.S.C. 1681b Since Affirm no longer owns the debts, it has no permissible purpose to access or furnish my consumer report.

False Representation FDCPA, 15 U.S.C. 1692e Reporting or attempting to collect a debt you do not own misrepresents its character, amount, or legal status.

DEMAND FOR ACTION I hereby demand that Affirm, Inc. : Delete both accounts ( XXXX & XXXX ) from XXXX XXXX and XXXX immediately. 

Provide written answers to the following : Does Affirm currently own either account?

If not, why do balances remain reported?

Provide the name and address of the entity the debts were sold or transferred to.

Provide the date of first delinquency ( DOFD ) for each account.

Provide copies of any bill of sale, transfer of assignment, or securitization records proving ownership.

FTC REPORTS ON FILE FTC Report # XXXX AFFIRM XXXX ( sold, balance should be XXXX ). 

FTC Report # XXXX AFFIRM XXXX ( sold, falsely reporting charge-off ). 

RESERVATION OF RIGHTS This is not a refusal to pay but a lawful dispute. Continued inaccurate reporting or collection efforts will be treated as willful violations of the FCRA and FDCPA, and subject to civil liability under 15 U.S.C. 1681n, 1681o, and 1692k.

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Unknown amounts and dates they should be in they system, but they steady contact me when i tell them I dont have any stable income right now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I will like a full investigation of my report on capital one why are so many inquiries on my account companies have been checking my credit without my permission i feel i am wrongfully targeted by these companies it was a car stolen from me and I think it was repossessed by capital one but its saying i owe i am owed from the class action lawsuit against capital one or whoever keeps putting these inquiries on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: MI

Complaint narrative:
I am a victim of identity theft. Someone used my personal information without my knowledge or permission to open accounts and or make inquiries in my name. I did not authorize these actions, and i am not responsible for the debts or activity connected to them.

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 2025-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Skrill USA, Inc.
State: LA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding the unexplained closure of my XXXX account. I am a XXXX consumer residing in XXXX, and I used XXXX for XXXX financial transactions. On XX/XX/year> my account was closed without prior notice or any explanation. 
I contacted XXXX support team to request clarification, but they have not provided any specific reason or cited the term or condition I allegedly violated. I was not given an opportunity to respond, appeal, or access any data used in the decision-making process. 
I am concerned that XXXX may be violating consumer protection standards by denying users access to their accounts and funds without due process or transparency. I am requesting that the CFPB investigate Skrills handling of this matter, including : Their failure to provide a reason for account termination Their refusal to disclose what data or criteria were used Whether this decision was made through automated processing without human review I am submitting this complaint without supporting documents, as XXXX has not provided any written explanation or correspondence that I can reference. I am available to provide further details if needed. 
Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: GA

Complaint narrative:
In XX/XX/XXXX I had my identity stolen and had fraudulent charges on some of my accounts on my XXXX XXXX  credit I had several fraudulent charges that I did report to XXXX XXXXXXXX about my two accounts and did police report and file with CFPB and FTC in the following year when I realized that XXXX XXXX  and credit bureau Tranuion and Equifax and Experian are not acknowledging my fraudulent activity and have reported it as charged off. I have disputed with all credit bureau and XXXX XXXX over and over again they won't remove the charge off when they are from fraudulent charges due to identity theft and fraud and have sent documents to all of them. XX/XX/XXXX Every time I dispute these charge offs they reopen the closed account and I have to report again to close it so it shows its aging all over again. This has been hurting my credit as it goes up and down and im unable to regain anything in life from the identity theft because everything is going against me as a charge off and not paid because I was told by XXXX XXXXXXXX that they would have the account closed due to fraudulent charges and I wouldn't be held responsible and I have tried everything past 2 years and XXXX XXXX denies it and all 3 credit bureau wont stop reporting every month that its a charge off account hurt me to establish new credit. I won't these accounts removed from my 4 credit reports and not report as charged off anymore.

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 2025-08-29 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: GA

Complaint narrative:
In XX/XX/XXXX I had my identity stolen and had fraudulent charges on some of my accounts on my XXXX XXXX  credit I had several fraudulent charges that I did report to XXXX XXXXXXXX about my two accounts and did police report and file with CFPB and FTC in the following year when I realized that XXXX XXXX  and credit bureau Tranuion and Equifax and Experian are not acknowledging my fraudulent activity and have reported it as charged off. I have disputed with all credit bureau and XXXX XXXX over and over again they won't remove the charge off when they are from fraudulent charges due to identity theft and fraud and have sent documents to all of them. XX/XX/XXXX Every time I dispute these charge offs they reopen the closed account and I have to report again to close it so it shows its aging all over again. This has been hurting my credit as it goes up and down and im unable to regain anything in life from the identity theft because everything is going against me as a charge off and not paid because I was told by XXXX XXXXXXXX that they would have the account closed due to fraudulent charges and I wouldn't be held responsible and I have tried everything past 2 years and XXXX XXXX denies it and all 3 credit bureau wont stop reporting every month that its a charge off account hurt me to establish new credit. I won't these accounts removed from my 4 credit reports and not report as charged off anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Finacial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. I was not refunded my {$660.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: NJ

Complaint narrative:
To Whom It May Concern, my name is XXXX XXXX XXXX XXXX. Experian is reporting those late payments. 

I am writing regarding inaccurate and unlawful information being reported on my consumer report in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, XXXX XXXX has furnished late payment information regarding my mortgage account listed above. These reported late payments are in error and must be deleted immediately. 

XXXX XXXX has reported XXXX late payments from XX/XX/XXXX through XX/XX/XXXX and XX/XX/XXXX on my Experian consumer report. These entries are inaccurate and constitute harmful reporting of transactions that are excluded under 15 USC 1681a ( 2 ) ( A ) ( i ). A consumers transactions or experiences with a creditor are not defined as a consumer report, and thus their inclusion is unlawful. 

Furthermore, under 15 USC 1666b, a creditor may not treat a payment as late unless they mailed or delivered the periodic statement at least XXXX  days before the due date. I have requested proof from XXXX that these statements were properly mailed or delivered, and no evidence has been provided. Absent such proof, reporting these late payments is unlawful. 

These false reports have severely harmed my creditworthiness, reputation, and financial well-being. I am demanding the immediate deletion of the following inaccurate entries from my Experian report : XXXX XXXX XXXX Late Payments ( XX/XX/XXXX XX/XX/XXXX ) This is a formal dispute and request for deletion under the FCRA. If Experian does not correct this error within XXXX days, I will pursue all remedies available under federal law. 

Please confirm deletion in writing. Enclosed are a copy of my ID and proof of address for verification. 

Sincerely, XXXX XXXX XXXX XXXX you can contact me by XXXX or XXXX by 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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) XXXX by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-08-29 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: NC

Complaint narrative:
During XXXX and XXXX I requested a copy of my credit report from each of the credit bureaus ( Equifax, TransUnion, Experian and XXXX ). Upon examining the reports, I noticed some inaccuracies that needed to be addressed immediately. Specifically, XXXX had reported 2 bankruptcies to each of these credit bureaus without my consent. So, I contacted the 3 credit bureaus, but each refused to remove them. I wasn't sure how to handle the matter, so I did more research. 

I contacted the Bankruptcy XXXX XXXX and went to pick up 2 letters stating that they do not report any information to the credit bureaus. I will include them in this complaint.

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