vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My info was used to apply fot potential credit or credit cards withour my permission on XX/XX/25 and i received inquiry notice via XXXX XXXX XXXX XXXX. I did not apply for credit on this day nor am i aware of it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
My cash app was unexpectedly closed for " violating terms of service '' and they are holding my money and will not let me withdrawl it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am a verified victim of identity theft caused by the Equifax and TransUnion data breaches. As a result, fraudulent accounts, inaccurate personal information, and unauthorized inquiries were added to my credit file without my consent. I did not open or authorize any of these accounts. Fraudulent tradelines include XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX, along with inquiries from XXXX XXXX, XXXX XXXX, XXXX, and XXXX. 

Despite my formal disputes, the credit bureaus continue to report these items, violating FCRA 605B, 607 ( b ), 609 ( e ), and 611 ( a ). I also have multiple false addresses and names linked to my file. I proudly serve in the XXXX XXXX and have suffered financial loss, denials of credit, and emotional distress. I am demanding immediate deletion, suppression, and written confirmation within 4 business days. Continued reporting constitutes willful noncompliance under FCRA 616617.

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 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Formal Dispute and XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Re : FCRA 1681b, 1681s-2 ( b ), and FDCPA 1692c ( c ) To Whom It May Concern, I am submitting this letter as a formal dispute regarding the accuracy and legality of an account reported under my name and credit file : Creditor : XXXX XXXX XXXX XXXX Account XXXX : XXXX Type : Revolving Credit Status : charge off I have reason to believe this account is being reported without proper authorization or a lawful permissible purpose as required by 15 U.S. Code 1681b. I have not been provided with documentation verifying that Bank of America obtained or furnished my consumer information in compliance with this statute. 

Under FCRA 1681s-2 ( b ), upon receipt of a consumer dispute, the credit reporting agency is required to : 1. Notify the furnisher of the dispute ; 2. Conduct a reasonable investigation ; and 3. Delete or correct any information that can not be verified as accurate and complete. 



In addition, a cease-and-desist notice has been issued to the furnisher under 15 U.S. Code 1692c ( c ) of the FDCPA, which prohibits further communication or collection attempts except as required by law. 

Accordingly, I am requesting that your bureau conduct a full reinvestigation of this XXXX XXXX XXXXXXXX account and provide written confirmation of one of the following within 30 days of receipt of this letter : Verified documentation proving the accounts accuracy, authorization, and lawful reporting, or Immediate deletion of the account from my credit report if such verification can not be substantiated. 


Please send me the results of your investigation along with copies of all materials used to verify this account. 

If this information is not verified as required under the FCRA, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for violations of federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am a verified victim of identity theft caused by the Equifax and TransUnion data breaches. As a result, fraudulent accounts, inaccurate personal information, and unauthorized inquiries were added to my credit file without my consent. I did not open or authorize any of these accounts. Fraudulent tradelines include XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX, along with inquiries from XXXX XXXX, XXXX XXXX, XXXX, and XXXX. 

Despite my formal disputes, the credit bureaus continue to report these items, violating FCRA 605B, 607 ( b ), 609 ( e ), and 611 ( a ). I also have multiple false addresses and names linked to my file. I proudly serve in the XXXX XXXX and have suffered financial loss, denials of credit, and emotional distress. I am demanding immediate deletion, suppression, and written confirmation within 4 business days. Continued reporting constitutes willful noncompliance under FCRA 616617.

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 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am a verified victim of identity theft caused by the Equifax and TransUnion data breaches. As a result, fraudulent accounts, inaccurate personal information, and unauthorized inquiries were added to my credit file without my consent. I did not open or authorize any of these accounts. Fraudulent tradelines include XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX, along with inquiries from XXXX XXXX, XXXX XXXX, XXXX, and XXXX. 

Despite my formal disputes, the credit bureaus continue to report these items, violating FCRA 605B, 607 ( b ), 609 ( e ), and 611 ( a ). I also have multiple false addresses and names linked to my file. I proudly serve in the XXXX XXXX and have suffered financial loss, denials of credit, and emotional distress. I am demanding immediate deletion, suppression, and written confirmation within 4 business days. Continued reporting constitutes willful noncompliance under FCRA 616617.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 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: MI

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 2025-10-12 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: MI

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 2025-10-12 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:
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 2025-10-12 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: NY

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 explanation
Consumer complaint received 2025-10-12 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: Oliphant United, Inc.
State: MI

Complaint narrative:
Oliphant USA {$4200.00} Account reporting inconsistently between bureaus.

Failure to provide accurate DOFD.

Violation of FCRA 607 ( b ), 623 ( a ) ( 5 ) ; FDCPA 807, 809.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: NC

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 2025-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I am disputing an inaccurate late payment reported by Dept. of Education / Aidvantage on my XXXX  credit report. 
The late payment occurred because the loan servicer changed its company name and website ( previously XXXX ) possibly more than once and I was not properly informed. As a result, I was unable to log in or access my account information to make my payment on time. 

During that period, I also moved several times, so its possible that I did not receive their mailed notifications. 

There was absolutely no reason for me to miss a small monthly payment of only a XXXX XXXX XXXX, since I have always paid my bills on time even larger credit accounts of hundreds of dollars or more. This was clearly an unintentional late payment caused by confusion during the companys transition. 

Additionally, there are currently many scam and phishing emails and letters circulating that appear to be from student loan servicers. For this reason, I could not easily tell whether certain messages or notices were legitimate, which added to the confusion. 

I am asking to review you consider adjusting my score fairly or at least to match the update already made by XXXX After I filed a dispute with XXXX they corrected the record and my credit score increased by XXXX points. 

Please notify the credit reporting companies to correct my report and restore the points lost due to this unintentional and justified situation. 
I really appreciate your support on this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TN

Complaint narrative:
To Whom It May Concern : I am filing this complaint against Cash App ( Square , Inc. ) due to their unjustified and unexplained closure or restriction of my account. 
Recently, my Cash App account was suddenly deactivated or locked without any valid reason or prior warning. I reached out to their customer support multiple times, but I have only received generic, unhelpful responses with no clear explanation of what I supposedly did wrong. 
I want to emphasize that I use my Cash App account strictly for legal, personal, and legitimate financial transactions. I do not engage in any fraudulent or suspicious activity and am confident I have not violated their terms of service in any way. 
This sudden account restriction is not only unjust, but it is also causing serious financial harm. I currently have important deposits set up through this account, including my IRS tax refund and other essential direct deposits. Because of this unexpected deactivation, I am now unable to access those funds, and I am concerned that I may permanently lose access to money that is rightfully mine. 
It is extremely troubling that Cash App can arbitrarily remove access to user accounts with no evidence, no due process, and no clear path for appeal or resolution. I am not alone in this experience it seems Cash App is randomly deactivating accounts without explanation, and I believe this practice is both unethical and potentially illegal. 
I am requesting that the Consumer Financial Protection Bureau investigate this issue and take appropriate action to ensure Cash App : Provides clear, specific reasons for account restrictions or closures ; Offers a fair, transparent, and timely appeals process ; Reinstates access to funds or ensures users are able to retrieve their deposits ; Stops the practice of randomly disabling accounts without due process. 
At a minimum, I am asking that Cash App either restore access to my account or provide a clear and specific justification for this action, along with instructions for how I can recover my deposits. 
Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: CL Holdings LLC
State: AZ

Complaint narrative:
My credit report has been used, accessed, and sold without my consent, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681b. I did not authorize any third party or credit reporting agency to profit from, distribute, or share my personal consumer information. This misuse of my data has caused financial harm, denial of credit opportunities, and emotional distress.

In addition, my report inaccurately reflects child support as a negative item. Child support is not a consumer debt and should not be included in credit scoring models. This misleading and damaging reporting violates FCRA 607 ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy of reported information.

I have been the victim of identity theft and a recent data breach involving major credit agencies, which has exposed my personal and financial information. Since then, unauthorized accounts, collections, and hard inquiries have appeared on my credit report all without my knowledge or consent. I have disputed these items multiple times with the bureaus, but they continue to remain on my report in violation of my rights under FCRA 611 ( a ) and 623.

Below are the primary unauthorized and fraudulent entries currently damaging my credit : XXXX XXXX XXXX Auto loan charged-off for {$11000.00} ( unauthorized, no contract ) Jefferson Capital Systems ( XXXX ) Collection account for {$1000.00} ( identity theft ) XXXX XXXX XXXX XXXX ( XXXX XXXX  ) Collection account for {$3500.00} ( fraudulent lease ) XXXX XXXX XXXX ( XXXX ) Paid collection for {$1400.00} ( no account for this amount ) XXXX XXXX XXXX ( XXXX XXXX ) Collection for {$440.00} ( fraudulent ) Additionally, multiple hard inquiries were made without permissible purpose under 15 U.S.C. 1681b, including by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others. 

Despite my formal disputes, none of these have been verified or removed. My current score is approximately XXXX, but the deletion of these unlawful and unverifiable items would raise my score into the XXXX range, accurately reflecting my true creditworthiness. 

These violations show a pattern of negligence, noncompliance, and disregard for consumer privacy. I am requesting that the CFPB intervene and compel the credit reporting agencies to comply with federal law, delete these accounts, and correct my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
Subject : Formal Dispute and XXXX XXXX XXXX XXXX XXXX Account # XXXX Re : FCRA 1681b, 1681s-2 ( b ), and FDCPA 1692c ( c ) To Whom It May Concern, I am submitting this letter as a formal dispute regarding the accuracy and legality of an account reported under my name and credit file : Creditor : Security Credit Service Account Number : XXXX Type : collection Status : collections I have reason to believe this account is being reported without proper authorization or a lawful permissible purpose as required by 15 U.S. Code 1681b. I have not been provided with documentation verifying that XXXX XXXX XXXXXXXX obtained or furnished my consumer information in compliance with this statute. 

Under FCRA 1681s-2 ( b ), upon receipt of a consumer dispute, the credit reporting agency is required to : 1. Notify the furnisher of the dispute ; 2. Conduct a reasonable investigation ; and 3. Delete or correct any information that can not be verified as accurate and complete. 



In addition, a cease-and-desist notice has been issued to the furnisher under 15 U.S. Code 1692c ( c ) of the FDCPA, which prohibits further communication or collection attempts except as required by law.

Accordingly, I am requesting that your bureau conduct a full reinvestigation of this XXXX XXXX XXXXXXXX account and provide written confirmation of one of the following within 30 days of receipt of this letter : Verified documentation proving the accounts accuracy, authorization, and lawful reporting, or Immediate deletion of the account from my credit report if such verification can not be substantiated. 


Please send me the results of your investigation along with copies of all materials used to verify this account. 

If this information is not verified as required under the FCRA, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for violations of federal consumer protection laws.

Company response to consumer: Closed with explanation