vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I had a personal cash app account since XXXX. In XX/XX/XXXX I opened a business acct so that cash app wouldnt consider payments i received as out of policy. I do XXXX XXXX XXXX which is considered business so i wanted to seperate payments. My business account didnt even last it was closed which caused my personal acct to be closed along with my XXXX olds acct in which i sponsored. For Claims that i went outside of policy in which i did not. I filed numerous appeals in which all they would do is send me their policies but never a legitimate reason as to what i did wrong. My account remains closed and i cant even get a new one because they automatically shut it down. I filed another appeal about a month ago with no response. There are numerous complaints about cash app shutting down accounts and not being able to get them back or open a new one once they close your account and that they also take money that is not refunded. There had also been issues where i sent money to a wrong person and never got the money back because cash app could not do anything to assist me. I cant create a new one nor can my son and that is how he was able to receive cash from family members and friends. I would like to have my cash app account back if i could. Customer service is terrible and they do not share exactly what the reasonings are. Cash app should allow customers to regain access to their accts or at least be able to make new ones to start fresh.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANC OF CALIFORNIA, INC.
State: TX

Complaint narrative:
We recently paid our quarterly HOA dues and received a payment receipt via email from the processor, Banc of California. Upon review, I discovered that the receipt email was not encrypted in transit, meaning it was sent in plain text. 

This presents a significant security vulnerabilityanyone with access to a network that the email passed through could have read its contents with minimal technical effort. The email included my name, email address, billing address, confirmation number, internal homeowner ID, payment amount, credit card network ( XXXX  ) XXXX and the last four digits of my card number. 

I have reached out to Banc of California multiple times through the contact channels listed on their website but have not received a response. 

To explain this in simpler terms : sending such an unencrypted email is like writing all the details of a private letter on the outside of the envelopeanyone who handles it can see the information. 

After checking prior records, I confirmed that last quarters receipt was also sent without encryption, suggesting a potential gap in their information security program. While the data exposed is not as sensitive as full account or Social Security numbers, the lack of encryption raises broader concerns, as the same email systems may be used for more sensitive communications. 

Although I am not a legal or cybersecurity expert, this practice may violate the Safeguards Rule of the Gramm-Leach-Bliley Act, which requires financial institutions to implement robust measures to protect customer information.

I have attached evidence of the email and my attempts to contact the bank below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated. 

Account XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: AZ

Complaint narrative:
Cash app administrator said my account had no monetary $ when I have sent numerous screenshots unauthorized transaction still no outcome

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
This is a follow-up to CFPB XXXX # XXXX. On XX/XX/year>, Portfolio Recovery Associates , LLC ( PRA ) responded to my original complaint stating : We closed the PRA account ending in XXXX, ceased all communications regarding collection of the PRA account unless otherwise permitted or required by applicable law, and requested that the consumer reporting agencies remove our tradeline for the account from their consumer reports. 

Despite this assurance, the tradeline for this account remains on both my XXXX and XXXX credit reports. This continued reporting is inaccurate and violates the Fair Credit Reporting Act ( FCRA ), specifically : 1681i ( a ) Failure to properly reinvestigate disputed information This unresolved issue is actively suppressing my credit score and delaying my financial recovery efforts. I respectfully request that the CFPB : Reopen the investigation under the existing case number Contact XXXX and XXXX directly to ensure compliance Confirm that the PRA tradeline is removed promptly and permanently Supporting Documents : PRAs written response dated XX/XX/year> Recent credit reports showing the tradeline still present 1681e ( b ) Failure to maintain accuracy Thank you for your continued oversight and support in protecting consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Albert Corporation
State: MI

Complaint narrative:
XXXX charged me in XXXX for a subscription I canceled in XX/XX/XXXX. They retained my bank info after I closed my account and withdrew funds without consent. The agreement was XXXX a month after a XXXX free trial. Once I was denied a loan I ended my subscription the same day it started. Its clearly shady that from XX/XX/XXXX up until I received my paycheck into the account I had used to sign up, was I charged {$19.00}. Only to discover they had also took seperate payments and deposited them into accounts on their app. Furthermore not allowing me to transfer the money back to my account. They do this to thousands of people, including my wife taking {$55.00} from her unauthorized. This is the first step to filing a class action lawsuit against XXXX. Under instruction of my attorney. And lastly why after ending my subscription and deleting my account is my login still active? And my information still stored? This app literally celebrated my paycheck deposit, and I would have never know had I not checked my balance and seeing XXXX dollars pending. Literally the fastest Ive ever seen my bank clear an ACH this is not acceptable. XXXX has to pay

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: NY

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: FL

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


FRAUDULENT ACCOUNTS : XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC

Complaint narrative:
Dear Round Point, RE : XXXX XXXX : XXXX I am writing to dispute a recent late payment report on my mortgage account [ insert loan number ]. The payment in question was sent through your online system ; however, due to a website default error, the payment was processed to the incorrect bank account. As a result, my mortgage payment was not received as intended, causing my account to reflect as XXXX days past due. 

As soon as I became aware of the issue, I corrected the payment and ensured my account was brought current. This situation was not due to negligence or missed payment on my part, but rather a system error during the online transaction process. 

I am currently in the process of refinancing my home, and this XXXX late mark will have a significant negative impact on my credit and refinancing terms. I kindly ask that you review my payment history and consider a courtesy removal of the XXXX late notation from my credit report. My record of timely payments demonstrates my commitment to maintaining this account in good standing. 

Thank you for your time and understanding. I truly appreciate your consideration in resolving this matter favorably.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I received a mail saying I was pre approved for a credit card with {$200.00} bonus when I spend {$1000.00} within 90 days from account opening. I used the XXXX code on the letter and was approved for a credit card. I used the card spent more than {$1000.00} just within a month actually. And been waiting for the {$200.00} bonus. I called the customer service and emailed as well and it goes back and forth. They keep telling me I am not eligible. XXXX customer service said they are having a system problem with the {$200.00} bonus and that I will have to check again. After a week they sent me an email telling me I am not eligible again. I sent them the mail with the XXXX XXXX I used and my name on it. But they are just a bunch of scammers. They will not give that bonus despite following the requirements on using the new card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-21 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: GA

Complaint narrative:
The investigation did not fix an error on my report

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