vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: CO

Complaint narrative:
This is a follow-up complaint regarding [ Experian / XXXX  / XXXX  ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXXXXXX XXXX XXXX ( XXXX ), XXXX ( XXXX ), and XXXXXXXX XXXX XXXX ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-12-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
I have contacted XXXX XXXX fraud dept and have been working with XXXX XXXX. He is not able to locate anything with XXXX in my name at all nor my SS #. He can not contact Eastern Account Systems because he has no info to give them to look up an account for me. I have asked for a letter stating that XXXX XXXX does not have any record for me on file owning a debt at all. They have nothing to reference too, so they can not give me anything. I need help please having this false info removed from my credit reports. It caused me to be denied a home loan. I have no one else to turn to for assistance, please help me clear this up.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: LA

Complaint narrative:
FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I DO NOT VALIDATE THIS DEBT

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 2025-12-04 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: LA

Complaint narrative:
FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I DO NOT VALIDATE THIS DEBT

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I DO NOT VALIDATE THIS DEBT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was charged an incorrect, in the amount of XXXX which i did not authorize, or benefit from under the fair credit billing act ( FCBA ) 15.usc.1666 and Regulation Z I'm not liable for unauthorized credit card transactions. My liability for this charge is XXXX. 

I was also charged undisclosed fees, which I didn't agree to. These fees violate the disclosure requirements outlined in Truth in lending act ( TILA Regulation Z, which mandates that all fees must be clearly disclosed before being charged.

This dispute is being filed under the Fair Credit reporting act ( FCRA ).

Requested Action : Immediate removal of overcharged fee Removal of unauthorized charges A full investigation in compliance with FCBA and TILA No interest, late fees or negative credit reporting.

Also i file prior complaint and i was ignored

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 2025-12-04 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: TX

Complaint narrative:
The information currently reported lacks completeness and misstates my financial activity. I request a full formal review and correction to ensure the accuracy of my record.

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 2025-12-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was trapped by XXXX XXXX ( whom I have reported to FBI and FTC ) to transfer money to below recepiants in USA for him to XXXX. 

XXXX. XX/XX/year> - I wired $ XXXX from Citi Bank to XXXX XXXX ' account ending in XXXX with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XX/XX/year> - I wired $ XXXX from Citi Bank to XXXX XXXX XXXXXXXX XXXX account ending in XXXX with XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XX/XX/year> - I wired $ XXXX from Citi Bank to XXXX XXXXXXXX XXXX  account XXXX with XXXX XXXX, XXXX XXXX XXXX, XXXX FL XXXX XXXX. XX/XX/year> - I sent a cashier check through Citi to XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe these people are involved in the fraud as a group.

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 2025-12-04 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: PA

Complaint narrative:
I applied for a car loan and discovered the negative items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: PA

Complaint narrative:
I applied for a car loan and discovered the negative items.

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 2025-12-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
Account name : XXXX # XXXXXXXX XXXX XXXX, Account name : Experian # XXXXXXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-04 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: NY

Complaint narrative:
My credit report is reporting incorrect 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 2025-12-04 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:
The data on file fails to convey the full and correct nature of my financial behavior, resulting in misrepresentation. I request that you perform a formal investigation and correct the information accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: MI

Complaint narrative:
I think someone opened a cashapp in my name or phone number without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-12-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I am writing to dispute fraudulent accounts appearing on my credit file under protection of 15 U.S.C. 1681c-2, which allows consumers to block information resulting from identity theft. 


Fraudulent Account ( s ) : - Creditor Name : SANTANDER CONSUMER USA - Account Number : XXXX - Date Opened : XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I have purchased furniture at room place on XXXX percent interest and i am monthly payment since 2 years actual purchase is amount XXXX remaining balance is XXXX suddenly i saw the interest of XXXX $ which shocked me when asked they has promotion has ended they did not send and email or call just put interest which i was never aware of it by any from of notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: AZ

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am submitting this Debt Validation Request to the Consumer Financial Protection Bureau because Capital One Bank ( USA ), N.A. has continued to furnish information to the credit reporting agencies regarding an alleged debt, but has failed to provide validation or any documentation proving that the information is accurate, complete, or legally verifiable. 
Despite multiple disputes filed with XXXX, XXXX, and XXXX, Capital One has not produced : A copy of the original signed contract A complete account/payment history Proof of ownership of the alleged debt Proof of permissible purpose to report my information An itemized accounting of the balance Documentation supporting the dates they are reporting Verification documents required under 15 U.S.C. 1681s-2 ( b ) Capital One continues to report this account as charged-off with an outstanding balance of XXXX XXXXdespite providing no validation whatsoever. 
The information reported by Capital One is inconsistent across all three credit bureaus, including : Conflicting Status Updated dates ( XXXX vs XXXX ) Inconsistent last payment dates Missing payment history Impossible credit usage ratios Balances updated years after charge-off Past-due amounts being reported on a closed/charged-off account These contradictions demonstrate that the furnisher can not validate the debt, and therefore the debt should not be reported per FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: AL

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 2025-12-05 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: AZ

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 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
PayPal suddenly asked for my identification card which i produced, then they asked me about the money my sisters boyfriend sent which I gave them the detail, even about a transaction that I didnt receive. They then notified me my account has been permanently limited which I find totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: NC

Complaint narrative:
* * Subject : * * Urgent Complaint Regarding Inaccessible Funds in Cash App Business Account To Whom It May Concern, I am submitting this complaint regarding my Cash App business account, which is being closed due to an alleged violation of their Customer Account Agreement. My account currently holds XXXX XXXX {$3400.00} XXXX XXXX which I am * * unable to access or withdraw * *. 

Despite repeated attempts to resolve this issue, including trying to add a bank account or debit card, Cash App has * * refused to allow me to access my funds * *. They have explicitly informed me that they * * do not offer refund checks * * and can not manually release the money. This refusal leaves me with * * no available method to retrieve my legally owned funds * *, causing significant financial hardship. 

I believe Cash Apps actions may constitute a violation of federal consumer protection regulations, including the * * Electronic Fund Transfer Act ( EFTA ) * * and * * unfair, deceptive, or abusive practices ( UDAAP ) * * rules enforced by the Consumer Financial Protection Bureau. Their refusal to provide a clear resolution or timeline exacerbates the problem. 

I respectfully request that the CFPB : 1. Ensure Cash App * * immediately releases the {$3400.00} * * in my account.

2. Investigate Cash Apps handling of my account and determine whether their policies are * * compliant with federal regulations * * regarding access to customer funds.

3. Require Cash App to provide * * clear written instructions * * for how I can access my money without further delay.

Attached are all relevant communications with Cash App. I urge the CFPB to intervene promptly to prevent further financial harm and ensure my rightful access to these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I respectfully request that you remove any existing fraud alerts from my credit report and unfreeze my credit file. Please process this request promptly and provide written confirmation once these actions have been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Skopos Financial, LLC
State: LA

Complaint narrative:
I applied for a loan and was told my APR would be somewhere around 18 % initially and then went through a lengthy " application process '' where I provided personal information like my SSN, my employer information, my home owner status, my income, my vehicle information, my drivers license, and submitted to a soft credit check etc ... and at the end was given an offer for now 20 % apr and submitted my " application '' some time later, I was told to call where they gave me my APR would be somewhere north of 31 % which is outrageous and absolutely a bait-and-switch after the lengthy " application '' they made me fill out.

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