vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/year> I received a notification from XXXX XXXX XXXX XXXX that I had a received a hard inquiry on my credit report. I checked XXXX XXXX and saw that a bank called Synchrony had requested a credit report of my information.

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 2025-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I was diagnosed with XXXX XXXXXXXX in XXXX. I had two credit cards with Capital One. That is the ONLY debt I have EVER had. I was hospitalized and I missed payments. Without warning or ANY notice at all, I got a letter in the mail stating both of my credit cards were canceled and were charged off. 
I called Capital One immediately and explained my health situation and the person I spoke to said not to worry- it was charged off but that my credit would take a hit. 
My credit plummeted from XXXX to XXXX. This charge off Capital One did showed online that indeed, it was " charged off ''. Apparently they sold it to a third party and now the third party keeps harassing me XXXX. I get XXXX XXXX calls from them XXXX. I answer it sometimes because now they started changing the number they call from and I don't know if it's THEM or my doctor ( which is now a matter of life and death ). I've answered it sometimes and the people can NOT speak XXXX. More like XXXX.... and all they can tell me is " You Owe bank ''. I asked THEM to send me paperwork of ANY kind and gave them my current address to mail the paperwork to me but they refuse to send me anything. Now, since I gave them my address, I'm getting XXXX pcs. of mail from them a week stating I owe. I am being harassed by phone, by mail, and by leaving the charge off on my credit report as a debt I currently owe. XXXX after month after month ( even after it's been " charged off '' ). Now I'm sick, my credit has tanked, and I'm being harassed at all hours of the day- XXXX, XXXX, XXXX midnight, XXXX, XXXX... the calls never stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: FL

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. 

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

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 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
Its milestone credit card. They ran my credit report and opened up account without my knowledge. I called him and close the account and told him that I might be pressing charges and Im gon na report them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: NJ

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under XXXX, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. CXXXXe 1XXXXb outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. CXXXXe XXXX XXXXXXXX a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. CXXXXe XXXX Section XXXX ( XXXX XXXX - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( XXXX ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$3700.00}, XXXX XXXX XXXX Balance : {$710.00}, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NC

Complaint narrative:
I made a purchase to a company XXXX  on XX/XX/XXXX for {$230.00} through CashApp. 

This was for a XXXX software plugin subscription activation for 1 year. The plug-in guaranteed support for their product, but unfortunately it did not work. 

I reached out to them via their ticketing system for a refund and received no response. Upon accessing their customer support XXXX  channel I realized they hadn't been responding to any customers at all. 

Since their website says refund guaranteed no questions asked during the first 30 days I submitted a dispute to Cashapp on XX/XX/XXXX. It was denied on Monday XX/XX/XXXX with no information why given other than an e-mail stating that have reviewing the transaction it was denied. That's all they said. So I appealed it on XX/XX/XXXX. On XX/XX/XXXX the appeal was denied with no additional information given despite me having submitted screenshots of all the records such as my ticket, my invoice, the Website URL, the return/refund policy and a plethora of screenshots from the XXXX XXXX of hundreds of other users not getting responses from the developer ( I even went so far as to find him on social media and he hasn't been active in over 4 weeks ). 

Cashapp refuses to give me more information, nor transfer me to a real person, they hang up on you if you ask leading questions or ask for a supervisor. They also banned me from using the support chat feature which is just unprofessional. 

I feel my dispute was documented falsely and fraud was committed which is a federal offense under 18 U.S.C. 1005 and in violation of Electronic Fund Transfer Act ( EFTA ) and Regulation E

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: UT

Complaint narrative:
Woke up to a Collection account added to my Credit. Reached out to Tekcollect and got no response, emailed them twice and got no response. They have damaged my credit now. 
I emailed them this on both emails I have for them. 
I reached out to the manager as well and have attracted both emails send and dates. 
They are trying to collect on a debt that I never got to use, a debt that is false, a debt that is from a breach on contract. A debt from a service that was never given. 


To Whom It May Concern, I am writing to dispute a collections charge added to my account following XXXXXXXX XXXX XXXX  and breach of contract. The collections charge of {$2200.00} is not valid as XXXX failed to fulfill their contractual obligations. I request immediate removal of this charge and confirmation that no further collection efforts will be made. Furthermore, I consider any reporting of this debt to a credit bureau to be a false and inaccurate report. As XXXX has breached its contract with me and ceased all business operations, I am not liable for this debt. Reporting this to a credit bureau is a violation of the Fair Credit Reporting Act ( FCRA ). I demand that you immediately cease all collection activities and remove any and all negative marks related to this account from my credit reports with XXXX XXXX XXXX XXXX Failure to do so will result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and my state 's Attorney General. 

Thank you for your prompt attention. 



Breach of Contract : XXXXXXXX XXXX XXXX and subsequent shutdown is a breach of contract because they are no longer providing the services they were paid for, such as continued treatment or the " XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: Capio Partners, LLC
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Alleged Debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concem, This letter is in response to your notice dated XX/XX/year> regarding the alleged debt you claim I owe to XXXX XXXX XXXXXXXX XXXX I am formally disputing this debt in its entirety i der my mights provided by the Fair Debt Collection Pactices Act ( FDOPA ), 15 USC Pursuant to the FDCPA, I am requesting that you provide full and complete validation of this alleged debt. Specifically, I am requesting the following documentation : 1. A full itemized statement of all charges that make up the alleged balance of {$200.00}.

2. A copy of the assessment contract, assignment agreement, or purchase agreement showing the legal transfer of this alleged debt from XXXXXXXX XXXX XXXX XXXXXXXX to XXXX XXXX XXXX and then to XXXX XXXX. 
3. A complete payment history showing how the amount was calculated, including any fees, adjustments, or credits.

4. A copy of any contract, agreement, or signature bearing my authorization for these charges.

5. Proof that XXXX XXXX has the legal right to collect this debt, including your state license information if required. 
Until you provide the above documents, you must cease all collection activities, including reporting this account to any credit bureaus. If you have already reported it, you are required to notify all credit reporting agencies that this debt is in dispute. 
Be advised that failure to provide proper validation within the required timeframe will be considered a violation of the FDCPA, and I will not hesitate to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General ' s Office. 
I expect your full compliance with federal law and a response within 30 days of receiving this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I constantly check my credit report and noticed that the errors and false misleading information for individual account didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these item below. 

XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX Balance : {$4400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX : {$0.00}

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 2025-09-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: AZ

Complaint narrative:
I was shocked to discover that my credit report has been improperly accessed through applications made in my name. These companies pulled my credit report without my knowledge, consent, or authorization. I do not recognize these inquiries, nor did I apply for credit with these entities. These fraudulent inquiries are a clear violation of my rights as a consumer and an unacceptable breach of my financial privacy.

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 2025-09-09 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: CA

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 XXXX 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 Date : XX/XX/XXXX ACCOUNTS XXXX XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX, Date Opened XXXX XXXX XXXX XXXX XXXX, Balance XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance XXXX XXXX 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 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