vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
Never got sent invoices or billing statements to the right address where I live everytime I tried logging in too the website to pay a bill too make any sort of payment it asked for verification which didnt match mine never could log in or anything tried calling affirm and it goes straight to a telemarketer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This correspondence is a dispute regarding a fraudulent account listed under my name. I have no connection with this account and never authorized its creation. Its reporting is false and damaging to my credit profile.

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 2025-08-28 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-28 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: GA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am writing to request validation of a debt you claim I owe, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge this debt and request that you provide proper documentation showing that I am legally obligated to pay it.

Please provide the following : 1. The amount of the debt ; 2. The name of the creditor to whom the debt is currently owed ; 3. A copy of the original signed agreement or other documents that show I am legally responsible for the debt ; 4. A detailed statement of the account showing all charges,
payments, and interest ; 5. Proof that you are legally authorized to collect debts in Florida ; 6. The name and address of the original creditor, if different from the current one. 



Please note, while this debt is being validated, you must cease all collection activity, including reporting to credit bureaus, per the FDCPA. 

This is a request for validation only and not an acknowledgment or refusal to pay the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have received repeated calls from spoof numbers and violations of the 7 in 7 rule as well as telling them not to contact me during working hours and they still have called. XXXX XXXX representing Chase bank. I have several tagged phone calls of the same number and several others calling from the same area code but different last 7 numbers. I think this is an attempt to avoid accountability for violations of the FDCPA. When I requested the office number they said just call what's on the caller ID. I appreciate your attention to this matter and would like to know if I should seek legal representation for violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According to 15 USC 1692C You Have Violated My Rights By Unlawful Communications

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I co-signed for an auto loan about XXXX  years ago with XXXX XXXX to help out a granddaughter of my partner. Last year, the city of XXXX XXXX imposed budget cuts which hit her first as she worked for a XXXX at the XXXX XXXX XXXX XXXX facility as an intern / observer. Her hours were cut to nothing for almost a month, so she got behind on her car payment. it tanked my credit by XXXX points from XXXX to XXXX. I understand I can be held accountable for the account, but I believe my credit is being unfairly impacted by her actions. She has the car in her possession and lives in a different city, plus makes all payments on that vehicle. 
I tried to add a consumer statement to my Experian credit report, but all Experian shows on their website is filing a dispute. The other credit companies allowed me to add a consumer statement to my credit record. Experian makes you go through an automated system that filters out people from talking to a representative. I sent a letter to Experian asking them to add a consumer statement XXXX weeks ago, but i have received no response. I tried to call them at theire customer service number yesterday ( XXXX ) and got thr run around with the automated system.

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 2025-08-28 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: PA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Accounts in Dispute : XXXX. XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/year>, my account was closed by Truist. XX/XX/XXXX, I called to find out why & could not get answers. I asked if I could pick up my money from a branch & was told there is nothing anybody can do & that my funds are just being held. I went to visit a branch XX/XX/year> & they started the process of giving me my money until the last minute when I was told that my account is already closed & Truist issued me a check. I called Truist back & was told that they could not tell me why my account was closed & that the check was mailed & to wait 7-10 business days. I have 4 kids & cant wait.

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 2025-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
XXXX  unexpectedly closed my account and is currently holding approximately {$13000.00} of funds. They will not explain why account was closed but more importantly are refusing me access to withdrawal my funds. I have made multiple attempts to reach out with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I am filing a complaint against cash app ( block , Inc ). Due to inadequate Customer Service and unfair practices which validate the consumer financial protection act ( CFPA ) pacifically, cash app failed to take timely and effective measure to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, they are dispute. Resolution process was unfair and deceptive, as they did not comply with error, resolution requirement under the electronic fund transfer act ( EFTA ) E. These actions have caused significant inconvenience and financial loss, and I seek appropriate reply for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: United Collection Bureau, Inc.
State: MD

Complaint narrative:
I believe United Collection Bureau , Inc. may have sent mail about an alleged debt to my mothers address, not mine. My mother received blank or unmarked envelopes with no identifying information. I have not authorized this company to contact family members about my accounts.

I have never received any written validation notice from this company at my address, and I do not recognize the alleged debt they are referring to. Sending blank envelopes to a third partys address is concerning and may violate consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-28 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: U.S. BANCORP
State: FL

Complaint narrative:
In Fall of 2024, I was affected by Hurricane Milton which caused a lengthy evacuation and minor damage to my home. My community was soon declared a federal disaster zone and I received assistance from FEMA. During my recovery, US Bank offered a short forbearance which I agreed to.

I began repayment when asked, which included trial payments ; however, I don't believe I was adequately informed that US Bank would report " delinquent '' payments to my credit report, which has caused my credit score to go down over XXXX points. To add insult to injury, I'm being told that my modification documents will take a while to review and that US Bank would continue to show my account as delinquent with missed payments until they could finalize the modification and accept payment.

Had I known that this would completely destroy my credit score, while trying to recover from a natural disaster, I would never have agreed to this.

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 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear CFPB, I am submitting this complaint to formally dispute a residual interest charge of {$170.00} posted to my Capital One account on XX/XX/year>2025, even though my full balance of {$9200.00} was paid on XX/XX/year>2025 and fully processed by XX/XX/year>2025. Additionally, I made two other payments in XXXX : {$300.00} on XX/XX/XXXX and a credit cashback reward of {$210.00} on XX/XX/XXXX. 

As of XX/XX/XXXX, my account reflected a XXXX balance, and the next statement is not due until XX/XX/year>2025. I was surprised to see an interest charge appear two days later. Upon contacting Capital One customer service, I was informed by a supervisor that the charge was due to " residual interest '' based on timing. However, I believe this charge is unjustified, as the full balance was paid within the billing cycle and no new charges were incurred. 

I have been a Capital One customer for over 15 years, with a perfect payment historynever late, never delinquent. I believe this charge is unfair and not reflective of responsible consumer behavior. I am requesting that this matter be escalated and the charge waived, not only based on the facts of the case but also in recognition of my longstanding and positive relationship with the creditor. 

This type of residual interest practice can be misleading and punitive to consumers who make every effort to pay their balances in full and on time. I respectfully ask the CFPB to assist in resolving this issue and ensuring fair treatment for responsible credit users. 

Thank you for your attention to this matter. 
Regards, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-28 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: IL

Complaint narrative:
I am requesting your help to review accounts from these companies that are inaccurately reporting late payments. My credit report shows certain accounts marked as late, which is incorrect. There should be no late payment remarksplease remove them and update each account to the agreed positive status. Furthermore, one account is being wrongly shown as delinquentit needs to be formally disputed and corrected to reflect no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: OH

Complaint narrative:
I sent a coworker money for XXXX  on cashapp, as a joke I wrote XXXX  XXXX XXXX for the note and that got my account suspended. I appealed it, was told theyd reach out to me and it has been a month and Ive had nothing. I have no way to contact the escalation team calling their support line and emailing the team directly gets me nowhere. I have {$160.00} in my account that is frozen and am unable to access those funds. I saw online that this was the only successful method in which consumers were able to get their situation resolved.

Company response to consumer: Closed with explanation