vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: NY

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 2025-09-24 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: GA

Complaint narrative:
I filed a dispute with Cash App on XX/XX/2025 regarding a merchant transaction in the amount of {$160.00} with XXXX ( for a wig advertised as human hair but delivered as synthetic ). Under Regulation E, theyre required to issue a provisional credit or provide a written explanation within 10 business days of filing. That deadline has passed, and I have received neither. Despite repeated follow-ups, Cash App support continues to reference the 45-day investigation window without addressing the missed 10-business-day requirement. I am requesting enforcement of Regulation E, specifically that Cash App issue the required provisional credit or provide the legally required written explanation, and that my case be handled in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: OH

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

1681c2 ) that you, the Equifax 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 : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$490.00} 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, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I have called ally finance since XX/XX/XXXX to surender my car. Before then I called in and messaged and asked for payment arrangements loan modifications and was denied now Im getting the run around to set up voluntary surrender and I have been denied several attempts for supervisor and is based customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint against the three major credit bureausXXXX Equifax, and XXXXfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with XXXX XXXX Format and XXXX industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court.

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information XXXX XXXX and XXXX  Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX - XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX XXXX XXXX XXXX  XXXX Account Number XXXX Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX, Equifax, and XXXX  to XXXX Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: GA

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 2025-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a formal dispute regarding fraudulent accounts listed under my credit profile. These accounts are entirely unauthorized, created without my knowledge or consent, and do not represent any legitimate financial activity on my part. Their appearance on my report is both inaccurate and damaging, leading to consequences that should never have been imposed on me. The integrity of my credit history is being undermined by the presence of these false accounts. They distort my record, harm my reputation, and may negatively affect my ability to access credit opportunities that I rightfully deserve. No consumer should be subjected to such misrepresentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: GA

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-09-24 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:
I am formally disputing certain collection and charge-off accounts on my credit report as inaccurate, outdated, or unverifiable. Despite submitting disputes and supporting documentation, these accounts remain unverified and continue to harm my credit. Under the Fair Credit Reporting Act ( FCRA ), I demand a full reinvestigation of these accounts, and any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

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 2025-09-24 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: FL

Complaint narrative:
This record is inconsistent with my proven pattern of on-time payments and appears erroneous. Please investigate and correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
On XX/XX/scrub> 2025 I received a notification that a Target pickup order was processed. The pickup location was XXXX, CT. I was out of the country on a XXXX  mission trip at that time. There are no other authorized users on my Target credit card account. I immediately called Target to file a fraud report on this purchase. A second order was also placed for the same item/amount, but I was able to cancel it before whoever the person was picked it up. Target told me they would send me a fraud questionnaire, which I filled out and promptly returned the end of May. I followed up with Target the following month, and they told me they never received the questionnaire, so they sent me another one. I returned the second report to them vi registered mail so they couldn't claim they never received it. The second questionnaire was delivered to Target on XX/XX/scrub>, 2025. I called again in XXXX hoping for some type of resolution to my claim, but still they had no information for me on how the fraud investigation was going. I expressed how I shouldn't have to make payments on a fraudulent purchase, yet the customer service representative insisted I continue to 'make minimum payments and once the investigation is complete, I will be reimbursed '. I have done that, yet Target has reported my account as deliquent to the three credit bureaus resulting in damage to my credit score- it went from XXXX down to XXXX. The fact that Target is refusing to reimburse me for fraudulent charges on my account is infuriating enough, but to now report me to the credit bureaus as deliquent is COMPLETELY UNACCEPTABLE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-24 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: MD

Complaint narrative:
b'On XXXX XXXX XXXX I sent a certified letter to TransUnion regarding multiple inaccurate items on my credit report. The letter was delivered on XXXX XXXX XXXX, at XXXX XXXX  in XXXX PA, per XXXX  Tracking XXXX XXXX XXXX XXXX XXXX XXXX. This correspondence requested prompt investigation and correction or deletion of the following accountsXXXX XXXX XXXX XXXX XXXX XXXX  (account XXXX XXXXXXXXAfter receiving no response or update regarding the investigation within the time required by law, I sent a second letter on XXXX XXXX XXXX, reiterating my dispute and again requesting prompt resolution. To date, I have received no response from TransUnion'

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 2025-09-24 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Re : Request for Account Information Account Number : XXXX XXXX XXXX Whom It May Concern I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : 1. Date the account was opened 2. Date the account was closed ( if applicable ) 3. Date the account was sold or transferred ( if applicable ) 4. Date the account was charged-off ( if applicable ) 5. Date of first delinquency reported 6. Date of last payment received 7. Current balance and balance at the time of charge-off ( if applicable )

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 2025-09-24 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: FL

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 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 2025-09-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
RE : Capital One Bank Deceased : XXXX XXXX Capital One : Case Number XXXX My mother ( XXXX XXXX XXXX had 3 accounts at Capital One. One had a beneficiary ( XXXX XXXX was the named beneficiary ), and Captial One has settled that account. Another account Capital One asked for a trust form to be sent ( XXXX XXXX is the successor Trustee on death ), and we have submitted the trust paperwork to Capital One. 
However there seems to be an error in the third account. It was opened in my mother 's trust account # CD XXXX. A letter from Capital One XX/XX/XXXX showing that it was in the trust was sent to Capital One. Also, a statement from XX/XX/XXXX confirming that the XXXX XXXX was still in the trust and the other two accounts was also provided to Capital One. 

When the cd matured it was given a new number XXXX. I can not understand why the title on the account would be changed. It seems that the bank must have some written documentation in order to remove it from her trust. We know that my mother did not sign such a document. We asked the bank to send us paperwork showing why it was retitled and they have not. 

The bank has refused to send us the written documentation on why it was removed from the trust. We believe that it was illegally removed from the trust or was a clerical error. 
Capital One keeps saying that can not supply us the answer. I, XXXX XXXX is the successor Trustee on death and therefore entitled to an explanation. 
Capital One is trying to force us to start probate for an estate that should not have to go through that process and spend thousands of dollars to do. Could you please direct Capital One to rectify their mistake and have the money put back to trust where it was in the first case. 
Thank you for your help in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX ( land Line )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: IL

Complaint narrative:
I am filing this complaint because Equifax is reporting inaccurate and unauthorized information on my credit file that is causing me serious financial harm and is a violation of my consumer rights under the Fair Credit Reporting Act and related federal consumer protection statutes. The first problem involves the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX with a reported balance of {$1200.00} which is being shown as a charge off. This derogatory status has never been verified with complete and accurate documentation from the original creditor and under FCRA 611 and 15 U.S.C. 1681e ( b ) all reported information must be accurate and verifiable. A charge off without lawful proof is considered unlawful reporting and can not remain on my file. The second problem is the inquiry XXXX dated XX/XX/XXXX which was never authorized by me and does not fall under any permissible purpose as outlined in FCRA 604 ( a ). No business relationship or consumer consent existed that would justify this inquiry, which makes it an impermissible pull of my credit file. The third problem is the inquiry XXXX dated XX/XX/XXXX which also was not authorized by me and is being unlawfully reported. Unauthorized inquiries directly harm my credit standing and reflect willful noncompliance with the consumer protection laws Congress enacted to safeguard accuracy and fairness in credit reporting.

The continued reporting of this charge off and these unauthorized inquiries despite their inaccuracy and lack of verification demonstrates that Equifax has failed to maintain maximum possible accuracy and has not complied with its legal duties to properly investigate and correct disputed information. Under FCRA 611, consumer reporting agencies are required to reinvestigate and delete unverifiable items within thirty days, and failure to do so constitutes negligent noncompliance under FCRA 617 and willful noncompliance under FCRA 616, both of which create liability for damages. These errors have caused me emotional XXXX, financial injury, and reputational harm by unfairly lowering my creditworthiness and preventing me from accessing fair credit opportunities. 

I am requesting that the Consumer Financial Protection Bureau take immediate enforcement action to ensure that Equifax deletes these inaccurate and unauthorized items from my credit file, brings its reporting practices into compliance with federal law, and prevents further violations of my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation