vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
To Whom It XXXX Concern, I am writing to report identity theft involving the unauthorized use of my Social Security Number. In XX/XX/XXXX, I discovered that an individual fraudulently used my SSN to open a credit card account without my knowledge or consent. According to my credit report, this unauthorized Capital One credit card was opened and used in or around XX/XX/XXXX, accumulating approximately {$3000.00} in charges. 

I would like to state clearly that I have never opened or held any credit card accounts. When I recently attempted to apply for credit, my application was denied due to a delinquency that I was previously unaware of. This prompted me to review my credit report, where I found not only the fraudulent credit card account but also multiple addresses and phone numbers that do not belong to me and have no connection to my identity or residence history. 

Because these accounts and personal details were created without my authorization, I am requesting that this matter be formally investigated and that all fraudulent information be removed from my credit file. I am prepared to provide any additional documents needed, including proof of identity, police reports, or FTC Identity Theft Reports, to assist in resolving this issue. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that the fraudulent account and associated information have been removed. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc.
State: NY

Complaint narrative:
I am filling this complaint because Montgomery ward is reporting 60 day and 90 day late payment on my XXXX  credit report different days on my XXXX  and my XXXX  Report that dont seem accurate.The dates dont lineup with my payment history and I was never shown any documentation explaining how they came up with these late marks, the account is currently showing as current terms so I want the bureau and the furniture to fully verify these late payments with actual records, if they cant provide real proof of the exact dates I am requesting that the inaccurate late marks be corrected or removed. I just want my credit report to show accurate information. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: GA

Complaint narrative:
I use an account owned by my father on Cashapp. It's under his name and SSN, but I use it personally. We both left the country to go to XXXX for religious purposes. We arrived the morning of the XXXX, and departed the morning of the XXXX. While there, I received XXXX $ from my grandmother on XX/XX/XXXX as a birthday gift. I didn't make purchases as I knew my change in location would likely result in a decline. However, I noticed, along with my father, that our Cashapp accounts had been frozen. Our transactions were declining for our protection. We foresaw this happening, and promptly responded to the emails we received letting us know we had an open case. The ONLY emails we received were the initial " we've noticed unusual activity in a country outside of our jurisdiction. reply with necessary details within 5 days to avoid adverse action against your account. '' We have both sent numerous emails in response, called the support like several times. I've even gone to XXXXXXXX XXXX XXXXCashAppAndi and started a whole new case about this. No one has responded. The email came on XX/XX/year>, it is now the night of XX/XX/XXXX. And after one final email check for the night, still nothing. I've had to find different transportation to school as I can't afford to buy a XXXX bus pass now, we can not pay our wifi bill, and we are entering a new billing cycle. It has become less of a burden and more of a drastic issue that is causing problems in our day-to-day now. It is no longer ignorable, and is progressing towards us having to take more legal action. Please assist as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: MO

Complaint narrative:
This complaint is being filed because the credit reporting agency has returned a response to my previous CFPB dispute claiming that the contested accounts, inquiries, and personal identifying information were verified. This verified response is inaccurate, incomplete, and inconsistent with the requirements of the Fair Credit Reporting Act.

Pursuant to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( a ) ( 7 ), I am invoking my right to request a Method of Verification for every item the credit reporting agency reported as verified, including : 1. All accounts disputed in the initial CFPB complaint XXXX  XXXX XXXX Balance : {$1900.00} XXXX  XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$410.00} XXXX. All hard inquiries associated with those disputed accounts XXXX. All addresses, address-identification numbers, prior address references, or non-consumer-provided personal identifiers appearing on the file that are not mine The credit reporting agency has not provided any legally sufficient evidence that they contacted the furnisher, nor have they provided any procedure used to reinvestigate the accuracy of the disputed information. 
The agency did not contact me, did not contact the FTC regarding my identity theft report, and did not verify the authenticity of addresses or address-identification numbers linked to fraudulent accounts.

Therefore, the verified response provided by the credit reporting agency is unsupported. Under the law, I have the right to receive : The exact name, address, and telephone number of the furnisher ( s ) of information A detailed description of the procedure used to verify the disputed items The source ( s ) of any address, inquiry, or account information the agency relied upon The method by which the agency verified the identity and address data appearing on my file The agency failed to provide all of the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I kindly request the immediate removal of this incorrect late payment from my account. My payment history has always been punctual, and this error is causing unnecessary concern. Please update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland Credit Management is falsely reporting itself as the original creditor on my credit report, even though it is a debt buyer and did not originate this account. This information is inaccurate and misleading. I requested validation of the debt, proof of ownership, and documentation showing how they became the creditor. The company did not provide any of this information and continued to report and verify the account anyway. 

They did not provide : Proof of purchase or assignment Chain of title from the original creditor A signed contract or agreement Itemized accounting Documentation showing they are legally the creditor By reporting false creditor information and verifying the account without providing documentation, the company is violating : FDCPA 1692e ( 2 ) ( A ) misrepresenting the character or legal status of a debt FDCPA 1692e ( 10 ) using deceptive or misleading practices FDCPA 1692g ( b ) continuing collection/reporting without validating the debt FCRA 1681s-2 ( a ) furnishing inaccurate or misleading information FCRA 1681s-2 ( b ) failing to conduct a reasonable investigation after a dispute I am requesting that the CFPB require Midland Credit Management to provide full validation and proof of ownership, or remove this account from my credit reports entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kingston Data & Credit International Inc.
State: LA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding an alleged debt reported or attempted to be collected. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of the alleged debt. I dispute the legitimacy of this debt and request the following information from the collector : XXXX. The total amount claimed ; XXXX. The name of the original creditor ; XXXX. Documentation proving legal obligation to pay the debt ; XXXX. Any judgment information, if applicable ; XXXX. Proof that the collector is authorized to collect this alleged debt. 

I request that the collector cease all collection activity until the debt is properly validated. Any negative information reported to the credit bureaus must be temporarily blocked until verification is provided, under 15 U.S.C. 1681i ( Fair Credit Reporting Act ), to ensure that no inaccurate reporting occurs. 

This complaint is filed to ensure compliance with federal debt collection and credit reporting laws. I request that all responses and communications be in writing only.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I am filing this complaint regarding a debt collection issue with Harris & Harris , Ltd., related to a XXXX account that I had previously closed. 

I closed my XXXX account in XX/XX/year> and received a final bill showing a negative balance of - {$19.00}, which was refunded to me at the store. 

I initially received collection letters from XXXX XXXX XXXX, to which I sent a written dispute along with a copy of my final bill. 

Despite this, XXXX  later transferred my account to Harris & Harris , Ltd. , who began collection activities without providing any debt validation or itemized billing as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). 

Harris & Harris has continued to contact me, demanding payment for a debt I do not owe, despite my dispute and the supporting documentation. 

I have contacted XXXX multiple times ; store representatives and customer service were unable to resolve the issue. Customer service suggested reactivating my account, which I do not want to do. 

The repeated attempts to collect a debt I do not owe have caused me significant time, stress, and inconvenience. 

I request that the CFPB investigate this matter, require Harris & Harris to cease collection activity until proper validation is provided, and correct any records related to this alleged debt. Attached are all relevant documents, including correspondence with both XXXX XXXX XXXX and Harris & Harris, as well as my XXXX final bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: eToro USA LLC
State: CA

Complaint narrative:
I invested through eToro and recently sold some stocks and crypto. The platform shows that I sold over {$600.00} worth of assets. However, I only received a few confirmation emails for small partial amounts, and none of the sale proceeds have been credited to my portfolio balance. I contacted eToro multiple times through their support chat, but I continue to receive vague or repetitive response, and the issue remains unresolved. At this point, I am concerned about the accuracy of their trade execution and the handling of my funds.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: SC

Complaint narrative:
I contacted the credit bureaus and informed them that I did not authorize anyone to make inquiries on my credit, and they release information without written authorization from 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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I informed the company that they're reporting the information incorrect about my account. The credit bureau refused to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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 submitting this formal complaint regarding TransUnion 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX I disputed several fraudulent accounts and provided TransUnion with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, TransUnion failed to block the disputed items within the XXXX business days required by XXXX and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating XXXX 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX  which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores TransUnion 's failure to uphold consumer protections under the 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 explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
They refuse to verify it, and they have no written authorization of my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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 have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it 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 explanation
Consumer complaint received 2025-12-09 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 a verified victim of identity theft. I submitted a valid XXXX report and police report to this credit reporting agency and/or creditor disputing multiple fraudulent accounts and inquiries appearing on my consumer credit file. 

Pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ), I formally requested the mandatory blocking and permanent deletion of all information resulting from identity theft. This law requires credit reporting agencies to block such information within four business days of receiving an identity theft report.

I also requested complete verification of the disputed accounts, including original signed contracts, proof of my legal liability, full chain of title for any collection accounts, and a detailed method of verification as required under FCRA 611 ( a ) ( 7 ).

Despite receiving my identity theft documentation, the credit reporting agency and/or creditor failed to block the fraudulent accounts and inquiries, failed to provide the requested verification or method of verification, and continued reporting inaccurate information in violation of federal law.

This failure to comply with mandatory blocking requirements and verification obligations has caused ongoing harm to my credit profile and constitutes a violation 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 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Chime Financial Inc
State: CT

Complaint narrative:
Chime bank has lost me lots of money not accepting US Treasury issued checks and other bank checks often. Recently, been trying to deposit a bank issued check to my checking account. Kept, saying missing signature. Which, I clearly signed myself.Multiple of times. This should be a class action suit against Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TX

Complaint narrative:
This CFPB complaint is being filed to demand, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that Transunion immediately block and remove all information on my consumer credit report that stems from identity theft and fraudand to do so within the required 4 business days of receiving this notice. Your agency is now formally on record and legally obligated to act. 

The fraudulent, inaccurate, and unauthorized information includes, but is not limited to 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 XXXXXX/XX/XXXX These accounts have triggered fraudulent hard inquiries and fraudulent collections, all of which are currently appearing on my consumer FICO credit report and causing ongoing financial harm. Every one of these accounts, collections, and inquiries is the direct result of identity theft, and their continued presence on my report is unacceptable, damaging, and in violation of my rights under federal law. 

I have attached FTC Identity Theft Criminal Complaint XXXX as official proof from the U.S. Federal Trade Commission verifying that these accounts, collections, and hard inquiries are fraudulent. 

I expect full compliance and immediate 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 2025-12-09 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:
I am filing this formal complaint regarding a XXXX XXXX account that is being reported on my credit file that does NOT belong to me. I AM NOT AN AUTHORIZED USER, JOINT ACCOUNT HOLDER, OR CO-SIGNER ON THIS ACCOUNT. 

I did not open this account, I did not authorize it, I did not sign any application or contract, and I have never used or benefited from this account in any way. I have no relationship to this account whatsoever. 

The presence of this account on my credit report is the result of identity theft, mixed file reporting, or furnisher reporting error. This reporting is false, misleading, and damaging and violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
I am filing this formal complaint regarding a XXXX XXXX account that is being reported on my credit file that does NOT belong to me. I AM NOT AN AUTHORIZED USER, JOINT ACCOUNT HOLDER, OR CO-SIGNER ON THIS ACCOUNT. 

I did not open this account, I did not authorize it, I did not sign any application or contract, and I have never used or benefited from this account in any way. I have no relationship to this account whatsoever. 

The presence of this account on my credit report is the result of identity theft, mixed file reporting, or furnisher reporting error. This reporting is false, misleading, and damaging and violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

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