vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 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: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOPROVABLE LATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-27 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX - XXXXXXXX XXXX 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 explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
I sent money to the wrong person on cash app. It said i was sending to the right person at first but after i hit send, it was sent to someone else. I knew them in college. And they blocked me on XXXX. Cancelled my return request and took the money. I believe she's running illegal buisnes as well without a proper licence. I have pictures. Cashapp didn't help and brushed me off. Their customer service over phone and chat. I called one of their banks and told they couldn't do anything either .. it was XXXX $! I am now homeless because of their app screwing up and she wouldn't return the money. It's the middle of winter and she lost me my home and any chance to get the house back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: GA

Complaint narrative:
AS A DIRECT RESULT OF THE REPORTING AGENCYS FAILURE TO CORRECT, VERIFY, OR REMOVE FALSE INFORMATION, I HAVE SUFFERED MEASURABLE AND CONTINUING HARM. INACCURATE DATA HAS BEEN USED BY THIRD PARTIES TO DENY CREDIT, ALTER TERMS, AND DAMAGE MY REPUTATION. THIS VIOLATES MY RIGHTS UNDER 15 U.S.C. 1681N AND 1681O, WHICH PROVIDE REMEDIES FOR WILLFUL AND NEGLIGENT NONCOMPLIANCE WITH THE FCRA.

THE REPORTED ERRORS HAVE CAUSED FINANCIAL, PROFESSIONAL, AND EMOTIONAL DAMAGE, INCLUDING INCREASED INTEREST RATES, DENIAL OF CREDIT OPPORTUNITIES, AND EMBARRASSMENT FROM BEING FALSELY REPRESENTED AS DELINQUENT OR UNRELIABLE. THE AGENCYS CONTINUED FAILURE TO REMOVE UNVERIFIED DATA EVEN AFTER FORMAL NOTICE DEMONSTRATES CONSCIOUS DISREGARD FOR CONSUMER RIGHTS AND FEDERAL LAW.

FURTHERMORE, THE AGENCYS INACTION HAS ALLOWED THESE ERRORS TO PROPAGATE ACROSS MULTIPLE DATABASES, CREATING A SELF-PERPETUATING SYSTEM OF FALSE INFORMATION THAT IS IMPOSSIBLE FOR A CONSUMER TO FULLY REVERSE WITHOUT REGULATORY INTERVENTION. THIS IS A DIRECT VIOLATION OF THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND TO CEASE REPORTING INFORMATION KNOWN TO BE INACCURATE OR UNVERIFIED.

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 2025-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I CONTACTED XXXXXXXXKOHLS XXXX XXXX XXXXXX/XX/XXXX WHEN I FIRST SEEN FRAUDULENT ACCOUNT REPORTING. I ASKED THEM TO CLOSE ACCOUNT, THAT I DID NOT OPEN THIS ACCOUNT, THAT THIS ACCOUNT WAS FRAUD. CAP1 KOHLS WOULD NOT CLOSE ACCOUNT AND IS STILL REPORTING THIS FRAUDULENT ACCOUNT OPENED fraudulent. 

CAP1 KOHLS CONTINUES TO REPORT LATE PAYMENTS ON THIS ACCOUNT XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX a closed account can absolutely report late payments, but only for missed payments that happened before the account was closed, NO LATE PAYMENTS WERE REPORTED BEFORE CLOSURE. CAP1 KOHLS DID NOT CLOSE ACCOUNT WHEN REQUESTED XX/XX/XXXX - CAP1 LEFT FRAUDULENT ACCOUNT OPENED FOR 8 MONTHS AFTER I REPORTED TO THEM THIS ACCOUNT WAS NOT OPENED BY ME, XXXX, XXXX, AND XXXX  CONTINUE TO REMOVE AND REINSERT THIS FRAUDULENT ACCOUNT REPORTING LATE PAYMENTS EACH MONTH intentionally. 






Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$110.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$480.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$29.00} Credit limit {$300.00} Highest balance {$480.00} Terms -

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I am sending a debt validation letter to the company 's attorney by way of certified mail as well as an email copy. They have sent me a subpoena by way of The XXXX XXXX XXXX Maryland in XX/XX/year> to inform me that I as being sued for such debt. Portfolio Recovery Associates , LLC filed this action on or about XX/XX/year> ( Case No : XXXX ), alleging credit was extended to the Defendant in the form of the original creditor. They Further stated that It I used the card, but failed to make payments as agreed, and the card was charged off and sold to Portfolio Recovery Associates , LLC. Despite requests for repayments, the account is still delinquent in the amounts of {$2300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: MI

Complaint narrative:
I am filing this complaint to dispute inaccurate personal information and unauthorized credit inquiries appearing on my credit report. These items are not associated with me and were reported without proper verification, causing harm to my credit profile. 

XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX This address is not mine, and I have no knowledge of it. 
Law Violations : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681g ( a ) Inaccurate personal identifying information XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not authorize or apply for credit with this entity. 
Law Violations : 15 U.S.C. 1681b ( FCRA 604 ) No permissible purpose 15 U.S.C. 1681e ( b ) Inaccurate reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> This inquiry was placed without my knowledge or consent. 
Law Violations : 15 U.S.C. 1681b ( FCRA 604 ) Unauthorized inquiry 15 U.S.C. 1681s-2 ( b ) Failure to reasonably investigate I request immediate deletion of the incorrect address and proof of permissible purpose or deletion of the inquiries, in full compliance with the FCRA.

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 2025-12-27 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOPROVABLE LATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-27 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: DE

Complaint narrative:
Product : Credit reporting Issue : Incorrect information on credit report Sub-issue : Account inaccurately reported as collections/charge-off after payment Consumer Statement ( Main Narrative ) I am filing this complaint regarding inaccurate and misleading credit reporting by XXXX XXXX and XXXX XXXX. Both furnishers are reporting accounts as collections and/or charge-offs despite the fact that the accounts were paid in full and are no longer owed. 

The continued reporting of these tradelines as derogatory is inaccurate, misleading, and harmful, and violates the furnishers obligations under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681s-2 ( a ) and ( b ). 

I have reviewed my credit reports and confirm that the balances are {$0.00}, yet the accounts continue to reflect collection or charge-off status, which falsely suggests ongoing default or unresolved debt. 

XXXX XXXX Account ( Paid but Reported as Collection/Derogatory ) Creditor : XXXX XXXXXXXX Account Type : Credit Card Status Being Reported : Collection / Charge-off Actual Status : Paid in Full Balance Owed : {$0.00} XXXX XXXXXXXX is furnishing information that materially misrepresents the legal and financial status of this account. Once paid in full, the account may be reported as paid/closed, but continuing to report it in a manner that implies ongoing default or collection activity is misleading and not reflective of the accounts true status. 

XXXX XXXX Account ( Paid but Reported as Collection/Derogatory ) Creditor : XXXX XXXX Account Type : Credit Card Status Being Reported : Collection / Charge-off Actual Status : Paid in Full Balance Owed : {$0.00} XXXX XXXX is likewise continuing to furnish derogatory information after payment. Reporting a paid account in a way that suggests active collection or unresolved default is inaccurate and fails to meet the FCRAs accuracy and completeness requirements. 

Why This Reporting Is Improper Paid debts can not be reported as currently delinquent or collectible The reporting misleads lenders into believing the accounts remain unresolved The negative status has an ongoing adverse impact on my creditworthiness Furnishers are required to correct or delete inaccurate information once notified This is not a dispute over whether payment occurred it is a dispute over how the accounts are being reported after payment.

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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX RE : FORMAL DEMAND FOR IMMEDIATE CORRECTION AND/OR DELETION OF INACCURATE LATE PAYMENTS FCRA VIOLATIONS To Whom It May Concern, This letter serves as a formal and aggressive demand pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) regarding inaccurate, unverified, and/or improperly reported late payments currently appearing on my Equifax consumer credit report.

After carefully reviewing my Equifax credit file, I have identified multiple late payment entries that are inaccurate, misleading, and not properly verified, thereby causing measurable harm to my creditworthiness. These entries violate federal law and must be corrected or deleted immediately. 

ACCOUNTS IN DISPUTE Creditor Name : XXXX XXXX Account Number : XXXX Inaccurate Reporting : Late payments reported for XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX FCRA VIOLATIONS Your continued reporting of these late payments violates, but is not limited to : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failure to promptly delete or correct unverifiable or inaccurate information Unless Equifax can produce competent, first-hand documentary evidence ( not automated or third-party data ) proving the accuracy of each late paymentincluding original billing statements and proof of timely noticethese entries must be deleted.

FORMAL DEMAND You are hereby demanded to take the following actions : 1. Immediately delete or correct all inaccurately reported late payments listed above 2. Provide written confirmation of the corrections made 3. Disclose the method of verification used, including the name, address, and telephone number of any furnisher involved Failure to comply within 30 days of receipt of this notice will result in further action, including but not limited to : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) Filing complaints with the Federal Trade Commission ( FTC ) Filing complaints with my State Attorney General Pursuing civil litigation for statutory, actual, and punitive damages under 15 U.S.C. 1681n and 1681o This letter is not a request. It is a lawful demand for compliance under federal statute. 
Govern yourselves accordingly. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: TX

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX RE : FORMAL DEMAND FOR IMMEDIATE CORRECTION AND/OR DELETION OF INACCURATE LATE PAYMENTS FCRA VIOLATIONS To Whom It May Concern, This letter serves as a formal and aggressive demand pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) regarding inaccurate, unverified, and/or improperly reported late payments currently appearing on my Equifax consumer credit report.

After carefully reviewing my Equifax credit file, I have identified multiple late payment entries that are inaccurate, misleading, and not properly verified, thereby causing measurable harm to my creditworthiness. These entries violate federal law and must be corrected or deleted immediately. 

ACCOUNTS IN DISPUTE Creditor Name : XXXX XXXX Account Number : XXXX Inaccurate Reporting : Late payments reported for XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX FCRA VIOLATIONS Your continued reporting of these late payments violates, but is not limited to : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failure to promptly delete or correct unverifiable or inaccurate information Unless Equifax can produce competent, first-hand documentary evidence ( not automated or third-party data ) proving the accuracy of each late paymentincluding original billing statements and proof of timely noticethese entries must be deleted.

FORMAL DEMAND You are hereby demanded to take the following actions : 1. Immediately delete or correct all inaccurately reported late payments listed above 2. Provide written confirmation of the corrections made 3. Disclose the method of verification used, including the name, address, and telephone number of any furnisher involved Failure to comply within 30 days of receipt of this notice will result in further action, including but not limited to : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) Filing complaints with the Federal Trade Commission ( FTC ) Filing complaints with my State Attorney General Pursuing civil litigation for statutory, actual, and punitive damages under 15 U.S.C. 1681n and 1681o This letter is not a request. It is a lawful demand for compliance under federal statute. 
Govern yourselves accordingly. 

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 2025-12-27 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: GA

Complaint narrative:
AS A DIRECT RESULT OF THE REPORTING AGENCYS FAILURE TO CORRECT, VERIFY, OR REMOVE FALSE INFORMATION, I HAVE SUFFERED MEASURABLE AND CONTINUING HARM. INACCURATE DATA HAS BEEN USED BY THIRD PARTIES TO DENY CREDIT, ALTER TERMS, AND DAMAGE MY REPUTATION. THIS VIOLATES MY RIGHTS UNDER 15 U.S.C. 1681N AND 1681O, WHICH PROVIDE REMEDIES FOR WILLFUL AND NEGLIGENT NONCOMPLIANCE WITH THE FCRA. 

THE REPORTED ERRORS HAVE CAUSED FINANCIAL, PROFESSIONAL, AND EMOTIONAL DAMAGE, INCLUDING INCREASED INTEREST RATES, DENIAL OF CREDIT OPPORTUNITIES, AND EMBARRASSMENT FROM BEING FALSELY REPRESENTED AS DELINQUENT OR UNRELIABLE. THE AGENCYS CONTINUED FAILURE TO REMOVE UNVERIFIED DATA EVEN AFTER FORMAL NOTICE DEMONSTRATES CONSCIOUS DISREGARD FOR CONSUMER RIGHTS AND FEDERAL LAW. 

FURTHERMORE, THE AGENCYS INACTION HAS ALLOWED THESE ERRORS TO PROPAGATE ACROSS MULTIPLE DATABASES, CREATING A SELF-PERPETUATING SYSTEM OF FALSE INFORMATION THAT IS IMPOSSIBLE FOR A CONSUMER TO FULLY REVERSE WITHOUT REGULATORY INTERVENTION. THIS IS A DIRECT VIOLATION OF THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND TO CEASE REPORTING INFORMATION KNOWN TO BE INACCURATE OR UNVERIFIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: MD

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Cash App ( Block, Inc. ) and its handling of a promotional offer in a manner that I believe is misleading and unfair to consumers. 

Cash App advertised a XXXX 50 % off XXXX with the stated term Valid once every 24 hours. I activated this promotion and attempted to use it. The initial transaction was authorized and then canceled by the merchant, and the transaction never settled or completed. As a result, no valid purchase occurred. 

Despite the transaction being canceled, Cash App marked the promotion as used and enforced the 24-hour usage restriction, preventing me from receiving the advertised discount on a subsequent completed transaction. A canceled transaction is not a valid transaction, and the consumer-facing terms do not disclose that authorizations alone constitute use of the promotion.

By treating a canceled transaction as a completed use of the promotion, Cash App effectively denied the advertised benefit without proper disclosure. This practice is misleading, as it contradicts the plain-language meaning of valid once every 24 hours and prevents consumers from reasonably relying on the stated terms.

I attempted to resolve this matter directly with Cash App but have not received an appropriate resolution. I am requesting that Cash App either reinstate the promotion or provide a credit equal to the promotional value that was denied due to this error. 

I am asking the Consumer Financial Protection Bureau to review this matter for potential unfair, deceptive, or abusive acts or practices ( UDAAP ) and to assist in resolving this issue.

Thank you for your time and attention. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: TX

Complaint narrative:
Cashapp closed my without understandable reason over a year ago and wont allow me to receive my last funds as they force my account closed and my business account.

Company response to consumer: Closed with explanation