vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-10 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: WA

Complaint narrative:
I am submitting a follow up on a previous dispute concerning an item on my credit report that I believe to be both inaccurate and unauthorized. To date, I have not received adequate validation or documentation supporting the legitimacy or accuracy of this debt. I continue to dispute the validity of the amount reported, as well as the ownership of the account. I am formally requesting that a thorough investigation be conducted. If the account can not be fully substantiated with proper documentation including proof of ownership and a full payment history I respectfully request that the item be removed from my credit file in accordance with the Fair Credit Reporting Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am writing to request an urgent review of my case involving a series of XXXX Cash App transactions totalling {$1700.00} that occurred without my authorization. My previous appeal was denied, and my account has been closed, but this decision does not accurately reflect the facts. 

On XX/XX/XXXX, a person physically took my phone without consent, used facial recognition against my will, and sent themselves {$1700.00} through Cash App from my linked XXXX XXXX  account. This was done under duress and without my authorization. I have since filed a police report and notified my bank, which is investigating under Regulation E for unauthorized electronic transfers. 

This incident constitutes financial fraud and identity theft, not an authorized transfer. I am requesting that my case be escalated to the Cash App Compliance or Legal Department for proper review and cooperation with law enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bizcorp, LLC
State: LA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX sent me a certified demand letter claiming I owed {$8000.00} on an auto loan from XXXX and threatening additional fees, negative reporting, and/or legal action. 
The account was referenced by XXXX XXXX in their XX/XX/XXXX certified demand letter ( internal reference no. XXXX ) I immediately responded by certified mail on XX/XX/XXXX, disputing the claim as prescribed and extinguished under XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The last payment on the account was made XX/XX/XXXX, meaning any action to enforce it prescribed by XX/XX/XXXX. The company was fully notified that the obligation no longer existed. 

Despite this, they filed suit in XXXX on a time-barred debt, misrepresenting both the amount and the legal status of the obligation. This conduct violates CFPB UDAAP, the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ( 2 ) ( A ) ), and XXXX XXXX 

Their actions were willful, deceptive, and taken in bad faith. I am now defending against this baseless suit and have filed a counterclaim for abuse of process and deceptive trade practices. I request CFPB investigation and regulatory enforcement.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-09 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: NV

Complaint narrative:
I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  regading information that does not belong to me. I am XXXX XXXX XXXX and have never had any of these accounts my credit file was involved in a data breach a few years ago and I didnt know it, when I saw these items onm y credit report I contacted each of these folks and all they offred me was ways to pay and said I had XXXX XXXX or I would go to jail. I started paying what I could until my grandson told me that this was illegal and suggested that i write a letter to the attorney general and all three credit bureaus and i did. None would help the credit bureaus said it wasnt there responsibility even when I said can you investigate they refused. What is a law abiding citizen to do when its jail or pay? I feel like these creditors are like the Mob and I have no protection please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  regading information that does not belong to me. I am XXXX XXXX XXXX and have never had any of these accounts my credit file was involved in a data breach a few years ago and I didnt know it, when I saw these items onm y credit report I contacted each of these folks and all they offred me was ways to pay and said I had XXXX choice or I would go to jail. I started paying what I could until my grandson told me that this was illegal and suggested that i write a letter to the attorney general and all three credit bureaus and i did. None would help the credit bureaus said it wasnt there responsibility even when I said can you investigate they refused. What is a law abiding citizen to do when its jail or pay? I feel like these creditors are like the Mob and I have no protection please help 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 non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
Debt Validation Letter with every collection agency from your Experian report listed.

This version is addressed to each agency by name and clearly demands full proof of the alleged debts under 15 U.S.C. 1692g of the FDCPA.

DEBT VALIDATION REQUEST LETTER Pursuant to 15 U.S.C. 1692g Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : Spring Oaks Capital LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Debt Validation To Whom It May Concern, This letter serves as my formal request for full validation and verification of each alleged debt listed above.

Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, I am exercising my right to obtain complete documentation proving that I owe these debts and that your companies have legal authority to collect or report them. 

Please provide the following for each account : XXXX. The name and address of the original creditor ; XXXX. A copy of the original signed agreement or contract bearing my signature ; XXXX. A full itemized statement showing how the balance was calculated ( including interest and fees ) ; XXXX. Proof that your company is legally authorized to collect and report this debt to credit bureaus ; XXXX. The date of last payment and the original account number. 

Until proper validation is provided, you must cease all collection activity, including phone calls, letters, or verification with any credit bureau. 
Reporting unverifiable or inaccurate information violates the FDCPA and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). 

If validation is not supplied within 30 days, or if collection efforts continue without proof, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Georgia Attorney Generals Office. 

Please send all documentation to my address listed above. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
This complaint is against Transworld systems Inc. They did not provide me with initial notifications about the alleged debts and failed to provide me with my federally mandated right to dispute and validate the alleged debt. This debt was added to my credit reports and I never received notice. They took adverse action against my person and furnished an alleged unvalidated debt on my consumer report, which has caused irreparable damage to my reputation. By their malicious actions they are in violation of the Fair Debt Collections Practices Acts : 15 USC 1692c ( a ) ( 1 ) 15 USC 1692 ( d ) ( 1 ) 15 USC 1692e ( 8 ) 15 USC 1692e ( 10 ) 15 USC 1692 ( 11 ) 15 USC 1692g ( 3 ) 15 USC 1692g ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
on XX/XX/year>, I noticed multiple accounts being reported inaccurately on my consumer report. I have attached all account XXXX by file 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 2025-10-10 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: LA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I opened a PayPal Credit account online in XXXX and have exclusively used it through the PayPal app, which has always been the sole method provided to manage my account, make payments, and communicate directly with PayPal Credit.

Recently, upon logging into the app, I saw a message stating that my account had been upgraded and that a physical credit card had been mailed to me. I did not request or authorize any upgrade. Upon contacting customer service, I was informed that Synchrony Bank initiated this change and considered it valid because an opt-out notice was sent to my email that I never responded to Opt out of the upgrade.

However : I have never used email as a communication channel with PayPal Credit. All communications, including service access and customer support, have only ever occurred within the PayPal app. 
No notification or opt-out request was provided through the app, which is the only reasonable and established method for account communication. 
As a result, I was forcibly converted to a different product without informed consent. 

This unilateral upgrade has placed me in a worse financial position, including : 1. Higher interest rate approximately XXXX percentage points higher than my original PayPal Credit terms. 
2. Loss of the six-month no-interest promotional feature that was a key benefit of the PayPal Credit product.

3. Issuance of a physical credit card which I never agreed to and sent to an outdated address that was not verified, creating both security and identity risk. 

To summarize : My original and intentional consumer choice was to establish and maintain a digital-only PayPal Credit account XXXX 
I did not request nor authorize any upgrade, nor was I provided adequate or reasonable notice through my established communication channel ( the PayPal Credit app ). 
The companys process sending critical opt-out notices via an unused communication method is unfair and deceptive, as it sets consumers up for forced product conversion without fair or meaningful consent. 
When I attempted to resolve this directly with the XXXXXXXX XXXX company , I was disconnected/ hung up on during my attempt to file a formal complaint with that company. 

I am requesting : 1. Immediate restoration of my original PayPal Credit online only account and terms, including removal of the forced physical card product.

2. Clarification on how many other consumers were migrated using this same email-based opt-out method, despite app-based communication being the standard.

3. Investigation into whether this upgrade process violates consumer protection standards regarding consent, notice, and fair disclosure.

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 2025-10-10 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: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I am writing to dispute an account that has been misreported on all three credit bureaus. Although the company has stated this is a valid account, that information is inaccurate. The information is reported differently on all 3 credit bureaus. The company stopped reporting in 2019. I am requesting that this account be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: 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 non-monetary relief
Consumer complaint received 2025-10-10 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: FL

Complaint narrative:
I have not consented to this inquiry, nor did I speak with the lender on the specified date.

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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have identified collection accounts on my credit report that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a credit report that includes only accurate and verifiable information. I am requesting that these entries be reviewed, and if they can not be confirmed as accurate, they must 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 2025-10-10 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: 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 2025-10-09 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: NY

Complaint narrative:
I am submitting this report due to inaccuracies on my credit report stemming from a system error, as confirmed by Equifax, which resulted in my personal information being leaked and used improperly. Ive been denied credit because of this issue, and I request immediate correction within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/XXXX, I made a purchase that I understood to be part of a special financial promotion with 0 interest for 24 months. The company charged me interest for several months. 

In XX/XX/XXXX, I called the company. They responded to this conversation with a letter saying they " will credit the account for the amount of any interest charges that have been billed to date on the purchase, '' within 2 billing periods. This never happened. 

In XX/XX/XXXX and XX/XX/XXXX, I called the company again without resolution. I spent over 3 hours on hold. 

On XX/XX/XXXX, I wrote to dispute the billing error on my credit card account in accordance with the Fair Credit Billing Act. I sent this via certified mail and the company received this on XX/XX/XXXX. 

They have failed to provide acknowledgment within 30 days as required by law, and have continued to attempt to collect and report the disputed amount as delinquent. These actions violate federal laws, specifically : 15 U.S.C. 1666 ( a ) failure to acknowledge and investigate a billing error within 30 days ; and 15 U.S.C. 1666a ( a ) and 15 U.S.C. 1681s-2 ( a ) unlawful reporting of disputed charges as delinquent.

I have attached supporting documentation, including : 1 ) The letter I mailed XX/XX/XXXX via certified mail 2 ) Confirmation they received that letter XX/XX/XXXX XXXX ) A copy of the letter dated XX/XX/XXXX, where they saying they " will credit the account for the amount of any interest charges that have been billed to date on the purchase, '' within 2 billing periods.

4 ) Proof the company is still trying to collect 5 ) Spreadsheet outlining interest charges

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 2025-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently.

FRAUDULENT ACCOUNTS : XXXX XXXX # XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX  # XXXXXXXX XXXX XXXX Opened:XXXX XXXX XXXX # XXXXXXXX XXXX XXXX Opened:XXXX UNAUTHORIZED INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-10-10 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently.

FRAUDULENT ACCOUNTS : XXXX XXXX # XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX  # XXXXXXXX XXXX XXXX Opened:XXXX XXXX XXXX # XXXXXXXX XXXX XXXX Opened:XXXX UNAUTHORIZED INQUIRIES : 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