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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

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 2025-08-29 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am refiling this complaint because Capital Ones prior response to CFPB was factually incorrect and omitted critical information. I now have documentation to prove this. Previous CFPB Complaint ID : XXXX I made three payments totaling {$1300.00} toward my account prior to Capital One charging it off : {$150.00} on XX/XX/year> ( cleared, screenshot attached ) {$1000.00} on XX/XX/year> ( cleared, screenshot attached ) {$150.00} on XX/XX/year> ( cleared, screenshot attached ) I have payment confirmation emails from Capital One for the XXXX payments. 

I also received letters from Capital One confirming both XXXX payments were processed ( photos attached ). 

Despite these payments, Capital One closed and charged off my account on XX/XX/year> one day before the largest payment cleared. 

Dispute Mishandling : On XX/XX/year>, I called Capital One immediately when I saw the account had been closed. I was told my account was closed due to a returned payment. 

I immediately called XXXX XXXXXXXX XXXX the same day ( XX/XX/XXXX ) to confirm the payments cleared, which they did. 

I have call logs/screenshots showing my calls to Capital One on XX/XX/XXXX the phone number in the screenshot is ( XXXX ) XXXX and immediately after to XXXX XXXX XXXX XXXX XXXX ) XXXX. 

I filed a dispute with Capital One on XX/XX/XXXX and was told I would hear back within 30 days. However, despite my follow-up calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I was repeatedly told the dispute had not been touched. 

False/Misleading Response to CFPB : In their response to the CFPB, Capital One denied ever telling me the account was closed for a returned payment. This is false. On XX/XX/year>, I specifically called Capital One, was told my account closed due to a returned payment, and then immediately called XXXX  XXXX XXXX to confirm the payments had cleared. My phone records clearly show the sequence : a call to Capital One at ( XXXX ) XXXX followed immediately by a call to XXXX XXXXXXXX XXXX at ( XXXX ) XXXX. This corroborates my account of what was said and shows Capital Ones statement to the CFPB is misleading. 

Capital One also claimed only a single {$1000.00} payment was made on XX/XX/XXXX. This is incomplete and misleading I made two separate payments in XXXX totaling {$1100.00} ( {$150.00} + {$1000.00} ). 

Finally, Capital One stated the account charged off on XX/XX/year>, yet they accepted and confirmed payments after that date.

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: NY

Complaint narrative:
Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account 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 XXXXXXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities.

I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report.

This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit.

Thank you for your immediate action to this issue. 

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 non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) is unlawfully reporting fraudulent accounts on my XXXX  credit file. These accounts were previously deleted after confirmed identity theft, supported by a notarized FTC Identity Theft Affidavit ( dated XX/XX/XXXX ), XXXX separate police reports ( XXXX from XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX, and XXXX from XXXX XXXX XXXX filed XX/XX/XXXX ), and additional documentation I have already provided. 


Despite this, XXXX has reinserted fraudulent accounts totaling more than {$16000.00} back onto my XXXX  credit report without proper certification or notice. This reinsertion violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ), which requires furnishers and credit reporting agencies to verify new, legitimate evidence before reinsertion. No such new evidence has been provided. 


Instead, XXXX continues to engage in stall tactics demanding duplicate documents ( drivers license, utility bill, lease, insurance, etc. ) that I have already provided. This is harassment disguised as investigation and violates both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). 


Furthermore, XXXX  is the only bureau reporting these fraudulent accounts, while XXXX  and XXXX  have properly recognized them as fraudulent and removed them. XXXX  has allowed reinsertion without notice and without compelling XXXX to produce proof of validity. By permitting this, XXXX  is complicit in XXXX  unlawful actions. 


Under instruction from my attorney, I am now requesting that XXXX XXXX XXXX produce full documentation to establish the validity of this alleged debt, including : -The original lease agreement or contract allegedly signed by me, -Any supporting documents bearing my signature, XXXX complete payment history or ledger, and -Proof of chain of assignment/ownership if XXXX purchased or was assigned this debt. 


If XXXX can not produce this documentation, then the account must be permanently deleted as unverified and fraudulent. 


This matter is not an investigation it is a violation. Both XXXX and XXXX  must be held accountable for knowingly and unlawfully reporting fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian premium services was asked to cancel reaccuring XXXX XXXX dollar charges to my bank account. 
On the website it also has a list of reaccuring subscriptions that I may cancel however EXPERIAN themselves is not on that list. I have begged them to stop charging XXXX a month for 12 months now. I called my XXXX XXXX  XXXX and disputed 12 months of transactions an I have canceled my bank card 4 times and EXPERIAN somehow gets my new card information when I never gave them my new card nor authorithized them to use my card or bank account past 3 months. I called experian today XXXX and told the rep to cancel and stop charging my bank XXXX and they owe me 12 months wrth of fees as i didnt authorize it. I have emails I sent to Experian begging them to STOP charging XXXX a month. I told the rep today Experian is Stealing my money XXXX every month. She provided no cancelation number and infact went even further to try and sell me another subscription. I told her to STOP. I demand a refund of XXXX plus interest x 12 month returned to my account as I have disputed it as well to XXXX XXXX XXXXXXXX.

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 monetary relief
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: CA

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

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: 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: AL

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 non-monetary relief
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 information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
To Whom It May Concern, This CFPB complaint is filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint.

The fraudulent, inaccurate, and false information consists of the following accounts and inquiries : XXXXXXXX XXXX Date of inquiry : XXXX. XXXX  Date of inquiry : XX/XX/year> XXXX. XXXX  Account Number : XXXX. XXXX  Date of inquiry : XXXX. XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX. XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX & XXXX Account Number : XXXX

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
I am disputing XXXX late payments reported by XXXX XXXX  on my auto loan account number : XXXX, as reflected on my XXXX  credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information I believe is inaccurate, incomplete, or can not be verified. I am requesting a reinvestigation into the accuracy of the following reported late payments : I believe these late payment entries are either inaccurate or do not reflect the full context of my payment history. I am requesting that XXXX  investigate these entries with XXXX  and remove or correct any that are found to be incorrect or unverified. If needed, here attached supporting documentation. 
Please complete your reinvestigation within the XXXX timeframe as required by law and provide written confirmation of your findings and any changes made to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: NC

Complaint narrative:
Spontaneously after XX/XX/XXXX I received a noticed that my account was being g closed due to fraudulent activity. 
I have reached out numerous times in a variety of ways asking What Fraudulent activity? I still have NEVER got an answer on what exactly did I do. I only get told in messaging that I went against the rules but NEVER no one tells me exactly what did I do. I now have had several friends tell me the same thing has happened to them. 

I have borrowed from cash app and Ive been GREAT at paying back but since they closed my account I now cant receive any funds to help pay it off and now they knee adding interest charge every week. 
They cant tell me what I did wrong and I cant receive funds then I Will NOT payback anything. At this moment I dont know if any funds would go to CashApp or a hacker. 

You will see from all of the screenshots that I never got a direct answer and it was always a different computer name as the signature. 

Ive now reached out to an attorney to see what can take place next.

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: NJ

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