vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: MS

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-07-29 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> Subject : Complaint Regarding Inaccurate Information in Credit Report Dear CFPB, I am submitting a complaint regarding inaccurate information on my credit report maintained by Equifax. Despite submitting a dispute to Equifax, the issue has not been resolved to my satisfaction. 

The item in question is : Creditor Name : XXXX Account Number : XXXX Issue : Account reported incorrectly. 

I have attempted to resolve this matter directly with Equifax and This account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I respectfully request the XXXX assistance in ensuring that this matter is properly investigated and that Equifax complies with its obligations under the Fair Credit Reporting Act. Please update account as XXXX XXXX XXXX XXXX XXXX XXXX XXXX The account should not have a balance at all. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: PA

Complaint narrative:
mmary of the problem : On XX/XX/year>, a person named XXXX XXXX stole {$1000.00} from my Cash App account. I did not authorize this transaction, nor did I give this person access to my login, PIN, or linked bank account. This was an unauthorized and fraudulent withdrawal of funds. 

Actions taken so far : I reported the theft to Cash App using their in-app support system, but they have not returned the money or resolved the issue. I have tried to contact support multiple times and still havent received a refund or explanation. 

Impact : This theft caused a serious financial burden. I rely on this money for basic living expenses, and losing it has put me in a difficult situation. I believe I reported the incident within the legal timeframe under the Electronic Fund Transfer Act, which should entitle me to reimbursement. 

Desired resolution : I am requesting that Cash App refund the full amount of {$1000.00} that was stolen on XX/XX/year>, and provide an explanation of how this happened and what steps they will take to prevent this kind of fraud in the future. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
This is my XXXX  dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA XXXX and XXXX, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX. XXXX, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: GA

Complaint narrative:
this company XXXX  XXXX XXXX  which XXXX apart of a XXXX XXXX XXXX  allowed an account to be opened online without my consent. has sold my information XXXX  times without my permission has sold my info once again. i have sent police report, id theft affidavit and all document proven i didnt open this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My XXXX Bank of America XXXX card was stolen and never received. Someone activated the card and made fraudulent charges. Bank of America approved XXXX of my XXXX claims and the last claim is being denied. It's been about XXXX fighting this claim and providing documents to support my claim. Bank of America continues to deny my claim and ask for new information to support the claim. I provided all that I can to support my claim. I also asked BOFA to provide documents supporting their decision, they have only sent a paper given a time and date when the card was activated. It doesn't help, it doesn't provide any other details.

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 2025-07-29 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:
This is my XXXX  dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA XXXX and XXXX, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX. XXXX, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

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 2025-07-29 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:
This is my XXXX  dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA XXXX and XXXX, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX. XXXX, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

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 2025-07-29 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX are reporting inaccurately. Please investigate and remove from my report. It is my undestanding that you wil verify these items with the creditor who has reported them.

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 2025-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Somebody created a PayPal Credit account in my name. The original creditor is listed as Synchrony Bank, The merchant is listed as Paypal Credit. 

I received letters from XXXX XXXX XXXX XXXX XXXX. that they were trying to collect this debt. The amount is {$4100.00}. I have tried to dispute this account with them to no avail. They provided the information on the XXXX account created in my name, and the address used was not an address I was living at at the time the account was made. In fact I had moved XXXX  since, and the account showed an address I lived at many years prior. This should be proof that I did not create this account and spend {$4100.00} because I would not have used that address. I have signed up for numerous other lines of credit and always used my current address at the time. I have proof of all the addresses I have lived at and the time frames I lived there to dispute this debt. 

This XXXX XXXX XXXX account is in collections currently and is negatively affecting my XXXX XXXX. 

I've attached proof of XXXX  residences in XXXX  that do not match the address used when on the fraudulently created account. Attached are documents showing when the XXXX account was created, and various documents proving that I did not live at that address, showing my new addresses.

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 2025-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Account XXXX XXXXXXXX Dear XXXX, Subject : Debt Validation Request I am writing to request validation of the debt that you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request proof of the debt and verification of your authority to collect it. Please provide the following information : XXXX. The amount of the debt. 
XXXX. The name of the original creditor. 
XXXX. A copy of the original agreement or contract that I signed. 
XXXX. Proof that you are legally authorized to collect this debt. 
Please consider this letter as a formal request for validation and verification of the debt in question. I request that all communication regarding this matter be in writing and sent to the address provided above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
regarding request XXXX XXXXXXXX. 
Venmo These people freeze my money for no reason. {$920.00} They refuse to give reason. 
They advertise and make you agree to vague generalize reason. 
They can take all your money at any time. 
Make free interest on seized money. 
This is theft by deception oin the agreement. 

I have medical needs and need my funds. 
Their support people are heartless. Will not release. 
Even in life and XXXX  situation. 

They will hold onto my money for XXXX days. 

All the funds in my account are from known friends with repeated contributions. There is no complaint of fraud or loss. 

They want to hold my money for XXXX  months...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-07-29 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: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX Date : XX/XX/year>

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-07-29 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:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NV

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act.

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 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
this account was opened fraudulently i send document to original debtor but was left on deaf ear

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 2025-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the charge-off recently applied to our XXXX XXXX account, which was done without proper notice and in violation of fair credit reporting and collections procedures. 

XXXX XXXX XXXX has been a longstanding and cooperative customer of American Express. Our payment challenges began only after the XXXX XXXX XXXX XXXX, during which we lost over 70 % of our revenue and suffered the destruction of significant pool equipment inventory in the XXXX area damages which we have yet to recover. 

Despite financial hardship, we remained communicative and attempted to honor a modified repayment arrangement. Unfortunately, due to deceptive third-party activity, we were misled into believing we were working with American Express for XXXX XXXX weeks, only to discover that it was a scam debt relief company impersonating AMEX. Once we identified the fraud, we contacted American Express directly on XX/XX/year>, and attempted to resume payment discussions in good faith. 

We spoke with XXXX XXXX XXXX, XXXX ID XXXX, who acknowledged our history and said the team would review our request to remove over {$4000.00} in late fees. We explicitly discussed that we had until XX/XX/year>, to settle or pay in full. Based on this understanding, we made a good faith payment of {$23000.00} on XX/XX/year>, as part of our ongoing efforts. 

However, upon calling for an update, we were informed that our account had already been charged off, which was both unexpected and not disclosed to us in writing or over the phone. We then received a letter dated XX/XX/XXXX, postmarked XX/XX/XXXX, stating it was the final notice and that we had 15 days to resolve the balance. Yet you charged off the account before the expiration of the XXXX-day deadline, in violation of the terms outlined in your own written communication. 

This action is deeply concerning and, at minimum, violates the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ) by misrepresenting deadlines, failing to give adequate notice, and taking adverse credit action during active negotiations and in contradiction of written deadlines. 

Given these facts, we request : Immediate removal of the charge-off from our credit reports.

A written explanation of why the account was charged off prior to the XXXXXXXX deadline listed in your notice. 

Reinstatement of our payment plan or ability to pay the negotiated balance in full without the late fees previously contested. 

We hope to resolve this amicably and swiftly. Please consider this a formal dispute of any negative reporting, and do not share or verify this charge-off with any credit bureaus while under investigation. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation