vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX Credit Bureau Name Equifax and Transunion RE : Request for Removal of Obsolete Information To Whom It May Concern : This letter serves as formal notice that your credit bureau is currently reporting outdated negative information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ). 
The account in question : Creditor/Collection Agency : XXXX Account Number : XXXX Date of First Delinquency ( DOFD ) : XX/XX/XXXX Creditor/Collection Agency : XXXX Account Number : XXXX Date of First Delinquency ( DOFD ) : XX/XX/XXXX According to 15 U.S.C. 1681c ( a ) ( 4 ) and ( a ) ( 5 ) : " No consumer reporting agency may make any consumer report containing ... accounts placed for collection or charged to profit and loss which antedate the report by more than seven years '' and " no consumer reporting agency may make any consumer report containing ... any other adverse item of information ... which antedates the report by more than seven years. '' Additionally, bankruptcies beyond 10 years ( 15 U.S.C. 1681c ( a ) ( 1 ) ) and certain criminal records may have different time limits, but this account exceeds the legally permissible reporting period for negative information. 
Relevant Legal Precedent XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) A credit bureau 's failure to comply with FCRA reporting limits may give rise to liability for damages. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) The FCRAs intent is to ensure fair and accurate credit reporting and prevent harm from outdated negative reporting. 
My Formal Demand I hereby demand : Immediate deletion of this obsolete information from my credit file. 
Written confirmation within 15 business days that this item has been deleted.

Should you fail to comply, I will not hesitate to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General, and I will consider pursuing legal action under 15 U.S.C. 1681n ( willful noncompliance ) or 1681o ( negligent noncompliance ), seeking actual damages, statutory damages, attorneys fees, and court costs. 
I look forward to your prompt resolution of this matter. 
Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I lost my wallet and had my capita one credit card lost and I think someone used it because I sae my statement it was all used up the credit And also consumer reporting incorrect usage if running my credit report multiple times without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Processing Services, LLC
State: TX

Complaint narrative:
I was contacted by a GP Services stating I owed a debt for a loan that I allegedly took out. I check my credit report regularly. I told them to put me on their Do Not Call List. The woman stated I took out this loan and they were going to come after my bank accounts to collect this debt. They wouldn't even tell me who this creditor was. I told them I was disabled and I was going to report them to the Texas Department of the Attorney General but the agency doesn't even have an address or a website listed and I need that information to make a report with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: AL

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: AL

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: MO

Complaint narrative:
Account XXXX XXXX XXXX XXXX with account number XXXX was re inserted back onto my TransUnion profile. The account is a fraudulent account, and I did not authorize this account to be listed on my report. I sent in all documents required by law in support of the identity theft pursuant to 15 U.S. Code 1681c-2, ( 1681a ) item was demanded to be removed within 4 business days but is still appearing on 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 2025-07-12 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: GA

Complaint narrative:
On XXXX XXXX I requested that I an assignment contract, validation letter, written consent and my signature. Yet I did not receive anything from Equifax, but a straight DENIAL OF MY REQUEST. How can anything be verified in 3 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Spoke w/ Rep XXXX and XXXX XXXX XXXX XXXX Spoke w/ Rep XXXX and XXXX on XXXX I use PayPal Credit and was told purchases over {$99.00} qualify for XXXX interest-free financing. However, PayPal is charging interest on purchases under that amount which I can't see clearly on the app or site. Only the over- {$99.00} balances appear, and there is no clear tracking of the smaller interest-accruing charges. 

When I make payments, PayPal applies them to the interest-free balances instead of the balances that are actively accruing interest. This makes it impossible to stop the interest from growing, and I have no control or visibility into it. 

I also never received any email statements, despite being told they were sent. Further, I was not informed that the minimum threshold for the interest-free offer changed from {$99.00} to {$140.00} on XX/XX/year> which affected how interest was applied. 

I believe this violates consumer protection laws, especially the Truth in Lending Act, by failing to disclose balances and finance charges clearly, and applying payments deceptively. 

Im asking the CFPB to investigate these practices and require PayPal to refund the improperly charged interest and disclose all account activity clearly and transparently. 

Thank you, 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 2025-07-12 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: OH

Complaint narrative:
I am a documented victim of identity theft, supported by FTC Identity Theft Reports # XXXX and # XXXX. These reports identify XXXX  XXXX Account XXXX as fraudulent and not connected to me in any way. 

After a successful dispute, this account was properly removed from my TransUnion credit file. However, TransUnion illegally reinserted the account without providing required notice or proof of verification, violating the Fair Credit Reporting Act ( FCRA ).

Under FCRA 611 ( a ) ( 5 ) ( B ), any deleted account that is reinserted must be accompanied by a written notice to the consumer within five ( 5 ) business days. TransUnion failed to provide this notice, in direct violation of the law.

Additionally, FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) mandates that TransUnion provide : The name of the party contacted during verification, The method used to verify the account, And a copy of any signed application or document proving my connection to the account.

TransUnion failed to provide any of this information.

There is no evidence whatsoever linking me to this account. I did not open, authorize, or agree to this debt. Re-reporting it is a willful and reckless violation of federal law.

As a result of this illegal reinsertion, my credit score has dropped by over 135 points, causing financial harm, denial of credit, and reputational damage.

TransUnion is now in violation of : FCRA 1681e ( b ) Reporting inaccurate information FCRA 1681c-2 Failure to block identity theft-related data FCRA 1681i ( a ) ( 5 ) ( B ) No notice of reinsertion FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) No method of verification provided I am submitting this affidavit as a formal complaint requesting that the CFPB open an immediate investigation into TransUnion 's FCRA violations and enforce corrective action.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute XXXX unauthorized hard inquiries that appear on my Equifax credit report. These inquiries were not authorized by me and were made without my consent or a permissible purpose under the Fair Credit Reporting Act ( FCRA ).

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 2025-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
In XX/XX/year>, Chase froze over {$50000.00} to {$100000.00} of my business funds immediately after I deposited them. I provided all requested documentation showing where the money came from, but Chase still refused to release the funds.

Because of this freeze, I was unable to process any payments, pay my suppliers, or cover advertising expenses. This led to racking up additional debt with suppliers and forced me to pay partial settlements out of pocket. I also missed advertising opportunities, which resulted in further business losses and late payments on credit cards.

I called Chase multiple times, including local branches and support lines, but my requests were ignored or avoided. I was never given a clear explanation, timeline, or valid reason for holding my funds.

The freeze lasted approximately four to five months, severely damaging my business cash flow and operations. Overall, this caused me to lose thousands of dollars and impacted my ability to serve clients and maintain business relationships.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: WA

Complaint narrative:
To Whom It May Concern, I am writing to demand immediate action regarding a serious issue involving my credit file. My personal information was compromised in a data breach, resulting in identity theft and fraudulent activity reflected in my credit report. Despite previous attempts to address this issue with you, it has not been resolved. ( 15 U.S. Code 1681i ) Under the provisions of the FCRA, I am legally entitled to have all fraudulent accounts and inquiries permanently blocked and deleted from my credit file. I have outlined the fraudulent accounts and inquiries below. 


Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX attention {$6000.00} XXXX XXXX XXXX Error Needs attention {$770.00} XXXX Error XXXX days late {$6300.00} XXXX Error XXXX days late {$5800.00} XXXX  Error XXXX days late {$4900.00} XXXX Error XXXX late {$4800.00} XXXX Error XXXX days late {$2400.00} XXXX Error XXXX days late {$1900.00} XXXX  Error XXXX days late {$1000.00} XXXX Error XXXX days late {$340.00} XXXX XXXX XXXX  Error XXXX days late {$3500.00} XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank cashed forged unauthorized checks. 

XX/XX/year> - Cashed check # XXXX to XXXX XXXX for {$3000.00} - at TD Bank in XXXX XXXX, FL. The Bank states that they called me and verified the signature. This is not my signature, and they never phoned me. 

XX/XX/year> - Cashed check # XXXX to XXXX XXXX for {$2400.00} - at TD Bank in XXXX, FL. The Bank states that they called me and verified the signature. This is not my signature, and they never phoned me. 

XX/XX/year> - Cashed check # XXXX to XXXX XXXX for {$2100.00} - at TD Bank in XXXX, FL. The Bank states that they called me and verified the signature. This is not my signature, and they never phoned me. 

XXXX Cashed check # XXXX ( yes, same check number ) to XXXX XXXX for {$2300.00} at TD Bank in XXXX XXXX XXXX FL XXXX Bank states that they called me and verified the signature. This is not my signature, and they never phoned me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am filing a formal complaint regarding an inaccurate and disputed collection account being reported by XXXX on my XXXX credit report under the account opened on XX/XX/year>, with an alleged balance of {$500.00}. 

This account is listed as a collection account, marked as past due as of XX/XX/year>, and currently displays red marks for XXXX and XX/XX/year>, but lacks supporting payment history, dates of service, or a valid explanation of the origin of debt. The comments note that this account is already disputed by the consumer, yet no documentation has been provided to validate the debt. 

As outlined in 15 U.S. Code 1681i of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable reinvestigation upon dispute, and remove or correct any information that can not be verified. No proper validation has been provided by the furnisher ( XXXX ) or XXXX to substantiate this collection. 

Furthermore, this debt appears to be inaccurately reported in terms of : Incomplete payment history Lack of clear itemization of the debt Failure to provide contract, billing records, or original agreement Absence of monthly payment terms, though a monthly payment section is listed I did not receive any formal collection notice with a 30-day validation window as required under the FDCPA before this account was reported.

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 2025-07-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: MI

Complaint narrative:
Im filing a formal complaint against Cash App for gross negligence, predatory practices, and failure to comply with the Fair Credit Reporting Act ( FCRA ). 

After over XXXX years of using Cash App, including repaying their high-interest Borrow loans on time, my account was hacked. XXXX unauthorized charges appeared. I disputed all of them, but they only refunded onewithout explanation. A month later, my account was hacked again. 

Despite providing documentation proving identity theft, Cash App shut down my account, cut off access to funds, canceled my card, and blocked the Borrow feature. Instead of investigating, they sent canned messages claiming they had no further information to provide, refusing to discuss anything further. Their so-called customer service is deliberately evasive and unaccountable. 

Cash App not only failed to protect my account but treated me like a criminal after I was the victim of fraud. Their actionsand lack of actionclearly violate the FCRAs requirements for proper dispute handling and consumer protection. They operate like a shadow bank with no oversight and no regard for the law or their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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:
I am filing a complaint regarding several unauthorized and inaccurate hard inquiries that appear on my credit report. I did not apply for credit with the companies listed, and I never gave permission for these inquiries to be made. These inquiries are negatively affecting my credit score and were added without my knowledge or consent. 

I have already contacted the credit reporting agencies and the companies responsible for the inquiries, but the issue has not been resolved. I am requesting that these inquiries be investigated and removed from my credit report 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 2025-07-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Albert Corporation
State: TX

Complaint narrative:
I contacted Albert after trying to cancel their " Genius '' subscription, to find out I would need to close out my account. I did this, and a month later they debited the Genius fee again without authorization.

When I tried to contact them again, Support stopped responding to me altogether.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Self Financial Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding Self Financial, Inc.s possible monetization and securitization of consumer credit applications and payment streams without disclosure or consent. 

Self offers credit builder loans and secured credit cards. What was never disclosed to me was that the signed application, along with the obligation to pay monthly, may have been used to create financial instruments, such as receivables or asset-backed securities. These may have been sold, pledged, or monetized for third-party profit.

This raises serious concerns under the Truth in Lending Act ( TILA ), the Fair Credit Reporting Act ( FCRA ), Regulation AB, and the Restatement of Restitution and Unjust Enrichment. I never consented to the use of my personal data, performance, or application for financial gain outside the terms of service. 

I am requesting the CFPB to investigate whether Self Inc. is engaging in undisclosed financial engineering with consumer accounts and whether this constitutes deceptive trade practices or a breach of disclosure obligations. Additionally, any account reporting to the credit bureaus should be reviewed for accuracy and legitimacy.

Company response to consumer: Closed with explanation