vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Kabompo Holdings, Ltd.
State: CA

Complaint narrative:
On XX/XX/year>, my XXXX ( XXXX USD ) wallet on the XXXX XXXX  was suddenly frozen without warning or clear reason. The wallet holds approximately {$22000.00} in XXXX, which I rely on for both personal and business transactions. The freeze event is visible on the XXXX XXXX  at this transaction link : XXXX XXXX XXXX and you can see my wallet at : XXXX XXXX XXXX As soon as I discovered the freeze, I contacted XXXX support for assistance. Their support team informed me that only Paxos, the issuer of XXXX, has the authority to freeze/unfreeze XXXX  wallets and advised me to contact Paxos directly for further action. 
Following their advice, I submitted a detailed support ticket through the Paxos support portal ( reference number # XXXX ), providing all wallet details, documentation, and a description of the urgent impact this freeze is having. Despite this, I have yet to receive any feedback, explanation, or resolution from Paxos. My funds remain inaccessible ; I have no guidance or support from Paxos about why this happened or how to get my wallet unfrozen. 
The ongoing lack of communication and access to my funds is causing serious financial hardship and disrupting my daily life and business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
The credit score companies will not update my current accounts accurately and efficiently. Which effects my score ratings. They take way too long to give me my correct score which effects my in receiving proper interest rates and lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: FL

Complaint narrative:
XXXX XXXX XXXX report false and inaccurate information to transunion on my credit report. A proper investigation was not done. And they still have false inaccurate information on report. They have me a 120 days and c/o for periods i didn't own vehicle

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 2025-10-20 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-10-20 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: NJ

Complaint narrative:
Equifax reinserted deleted accounts back into my credit file without any notice or verification. The accounts XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX Card were previously deleted after my dispute but appeared again in my new credit report. This is completely unacceptable. These accounts were supposed to be permanently removed, yet Equifax continues to show them, which has negatively affected my credit and caused unnecessary stress. I am asking the CFPB to take immediate action to have these accounts permanently deleted and to make sure Equifax follows proper reinvestigation and verification procedures. The FTC website is currently shut down, preventing me from filing a complaint there, so I am asking the CFPB to step in, investigate this unlawful reinsertion, and hold Equifax accountable for violating federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: NJ

Complaint narrative:
I am formally disputing hard inquiries listed on my credit report, which I believe was made without my authorization. Inquiries in question are as follows : XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ; XXXX XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. I did not initiate or authorize these credit inquiries, and I request that they be removed from my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unauthorized information on my credit report. Specifically, the FCRA mandates that consumer reporting agencies investigate disputes and correct or delete any information that is found to be inaccurate or unverifiable. They must be removed from my report. Due to the ongoing FTC shutdown, I am unable to create an FTC Identity Theft report at this time. Please conduct a thorough investigation into this matter and provide me with the results in writing. I request that they be promptly removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/XXXX I paid {$10000.00} to a company called XXXX XXXX XXXX XXXX Bank of America credit card. 
The charge was for a service contract, not merchandise : XXXX XXXX was supposed to create and manage an XXXX e-commerce store on my behalf. 

After payment the company failed to perform the promised services. 
The store never became operational or profitable, and later my access to the companys online management portal was removed. 

During XXXX, XXXX and XXXX issued official removal orders showing that the unsold inventory associated with my store was returned directly to XXXX XXXX  warehouse in Florida. 
Despite receiving the returned merchandise, XXXX XXXX kept all proceeds and never reimbursed my investment. 
My total merchandise capital was {$21000.00}. XXXX XXXX investigating similar transactions with the same merchantcredited me {$13000.00}, leaving a documented unrecovered loss of {$7200.00}. 

In XX/XX/XXXX the merchant signed a XXXX XXXX XXXX agreeing to pay me {$15000.00} within 60 days. 
That payment was never made. 
I also filed a XXXX  complaint ( ID XXXX ) detailing these issues ; the merchant acknowledged the refund agreement but still failed to perform. 

I submitted a formal dispute to Bank of America under the Fair Credit Billing Act ( services not delivered as agreed ). 
Bank of America initially treated my dispute as a merchandise return case and later denied it, stating they couldnt confirm cancellation or difference from what was purchased. 
Their decision ignored the evidence showing : The transaction was for services, not goods. 
The merchant admitted liability through a signed refund agreement. 
Returned merchandise was already in the merchants possession. 

I am asking the CFPB to ensure that Bank of America properly re-examines this dispute under the services-not-delivered provision of the FCBA and that the {$10000.00} charge be reversed.

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 monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
Ther is a medical collection account that was disputed and previously deleted off my credit reports and Aargon agency Inc, re-added and XXXX  has refused to delete even after i provided proof it was previously delete and I am victim of identity theft. I never received no medical hospitalization. Police reports were filed my purse with wallet containing my driver 's license and SSN card were stolen. I have suspicion someone used my information at Hospital, but it was not me.

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 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: GA

Complaint narrative:
Merchants- XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX ), XXXX ( hotel membership ) Banking transaction ( Cashapp ) On XXXX XXXX I booked a room at XXXX XXXX for 1night at {$100.00}. I was going to do a split payment between 2 cards. Once processing the first payment of {$51.00} the hotel system crash. The payment processed on my end. the hotel said they did not see a payment. After contacting XXXX XXXX they explained it maybe an authorization hold, and advised to cancel the reservation so the payment would fall off. advised it should not be an hold I was doing a payment transaction. with no resolution. I made another reservation and paid for a full night. As of XX/XX/year> after contacting XXXX XXXX, XXXX  for a refund because 11days later the transaction is still in a pending status, I was denied by both companies stating the never saw the {$51.00} payment, after showing proof of the payment still denied. contacting Cashapp advising of the issue and asking for the payment to be canceled and refunded, they also denied to cancel the payment or refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
I CALLED THE COMPANY TO GET INFORMATION ON THIS ACCOUNT AND THEY ASKED MY NAME SO THEY COULD VERIFY THAT IT WAS ME. I ASKED THEM THE COMPANY NAME AND THEY DID NOT GIVE IT TO ME. THEY SAID I DISPUTED IT BEFORE AND I SAID YES BECAUSE I DON'T KNOW WHAT THIS IS. I ASKED HOW CAN I GET THIS OFF MY ACCOUNT THEY SAID CALL THE INSURANCE COMPANY BUT SINCE IT'S BEEN XXXX YEARS THEY WON'T DO ANYTHING SO I WILL HAVE TO PAY IT. WHEN I GOT OFF THE PHONE I CALLED THE COMPANY THAT WAS SUPPOSE TO HAVE SENT THIS TO THE COLLECTION AGENGY AND THEY VERIFIED THAT MY BALANCE WITH THEM IS XXXX AND THERE IS NO NOTICE IN THERE SYSTEM THAT THE BILL WAS SENT TO A COLLECTION AGENCY AS WELL AS THE AGENCY THAT IS SAYING I OWE THE COMPANY DOES NOT USE THIS COLLECTION AGENCY AT ALL AND I VERIFIED ALL THIS BY CALLING THE BILLING DEPARTMENT OF THE COMPANY THAT THE COLLECTION AGENCY SAID IT WAS FROM.... PLEASE HELP ME GET THIS OFF ALL OF THE CREDIT BUREAUS THAT HAVE IT ON THERE. I'M TRYING TO MAKE SURE MY CREDIT IS FIXED AND THIS IS STOPPING LANDLORDS FOR APPROVING ME FOR AN APARTMENT WHICH I NEED RIGHT AWAY SO I DON'T BECOME HOMELESS AGAIN.... ALL THESE LANDLORDS GO BY CREDIT HISTORY AND I'M STUCK.... I HAVE TO MOVE RIGHT AWAY AND I CANT BECAUSE OF THIS.... PLEASE PLEASE HELP ME TO GET THIS OFF MY CREDIT HISTORY.... THIS ALL HAPPENED ON XX/XX/XXXX THE AMOUNT IS FOR {$640.00} AND THE COLLECTION AGENCY POST THIS ON MY CREDIT HISTORY IN XXXX FOR {$640.00} I NEVER NEW WHO TO REACH OUT TO TO FIND OUT WHAT WAS GOING ON UNTIL XX/XX/XXXX WHEN IT FINALLY SHOWED ME THE COLLECTION AGENCIES NAME AND WHO THE BILL WAS SUPPOSE TO BE FROM THE COLLECTION COMPANY WAS NO HELP ALL THEY WANT IS FOR ME TO PAY FOR SOMETHING THAT IS NOT MINE.....

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
To Whom This May Concern, I, have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law. 

If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency. 

Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties.

I appreciate your efforts in this matter and look forward to your response. 

Regards,

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My name is XXXX XXXX XXXX, and I am filing this complaint because all three credit XXXX and Equifax have failed to properly investigate my dispute and identity theft report. 
On XX/XX/year>, I submitted formal disputes to all three bureaus. Along with my dispute, I included : A police report of identity theft, A copy of my photo identification and proof of address, and Documentation identifying the fraudulent and inaccurate accounts reporting under my name. 
Instead of reinvestigating as required under the Fair Credit Reporting Act ( FCRA ), I received a stall letter from Experian stating they could not process my dispute. The other two bureaus have not responded with any valid reinvestigation results either. 
As of today, no accounts have been corrected, deleted, or verified, and no investigation results have been sent to me, even though I followed all the proper steps to prove my identity and the fraud that occurred. in addition a stall letter was received from Experian stating that my investigation was not me. Proper validation of proof my Identity was verified with a copy of my drivers license, social security card and proof of Address.

Violations of the Fair Credit Reporting Act FCRA 611 ( a ) ( 1 ) ( A ) The bureaus failed to conduct a reasonable reinvestigation within 30 days.

FCRA 611 ( a ) ( 5 ) The bureaus failed to delete or correct inaccurate or unverifiable information.

FCRA 605B The bureaus failed to block fraudulent accounts after receiving my police report of identity theft.

FCRA 611 ( a ) ( 6 ) The bureaus failed to provide me with written results of their investigation.

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