vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Independence Capital Recovery, LLC
State: WV

Complaint narrative:
I am in the process of filing bankruptcy. This individual named XXXX has no only called and left me a but my parents and friends. I have a lawyer and the original lender of the loan has the lawyers information and know I am filing bankruptcy. Today he left the following message on my phone and proceeded to leave it on phones of my family and friends. 
XXXX left : Hi, my name is XXXX XXXX. I was trying to reach a XXXX XXXX in reference to lending points. Hi, my name is XXXX XXXX. I was trying to reach a XXXX XXXX and the reason for my phone call today is my company 's been retained regarding XXXX of your accounts here. It shows it's in flags due to a breach of contract. Again, with blending points, uh they are making some allegations. There's been no contact or payment submitted from you. On this loan and what shows here about a year now. Uh we would like to try to resolve this with you voluntarily, whether it's payments on a balance, interest free, if you'd be more interested in a settlement, we'll listen to an offer as well. This is a communication with a debt collector and my phone number here is XXXX and again that's XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
CACI, a debt collection agency, sent me a letter stating that I XXXX XXXX XXXX a certain amount of money. I decided to call CACI to explain that the amount was very high and that this must be a mistake. 
I explained the situation to the representative, and he told me that there was nothing he could do and that I had to pay the full amount. I told him that I had just had XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and that I didnt have the money to pay it right now. In response, he said : I SEE YOUR ADDRESS IN XXXX XXXX AND YOU WANT TO TELL ME YOU DONT HAVE MONEY? 
At first, I was silent because I was in shock, but then I asked him again several times, and he confirmed what he had said. When I asked him what right he had to speak to me like that, his tone changed he suddenly became softer and said he only wanted to confirm my address. 
However, if you listen to the call, you will hear how he pushed me into a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Block, Inc.
State: NC

Complaint narrative:
Cash App problem I have made multiple attempts to get my account unblocked over the past few months I've spoken to customer service as well as messaging them and I have also filed multiple appeals as well and I still have not received any communication from Cash App regarding my account being blocked all I did on Cash App was send and receive money I thought that was what it was for I hope this can get straightened out I've been trying to get my account fixed for months this is ridiculous Cash App blocked my account for no reason at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
Hi my name is XXXX XXXX I have fraudulent inquires at my credit report and I need dispute all of this can you help me pleas thank you XXXX XXXX capital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
I run a sXXXX XXXX XXXX XXXX We have been locked out of our XXXX  account since XX/XX/XXXX or XXXX. Our account was mistakenly frozen after we set up our PayPal giving fund account. I have spoken with agents from PayPal on multiple occasions who have gone through all of our information and confirmed that it was all correct and there was no issue on their end and the issue was coming from XXXX. I have spoken to a XXXX  representative several times over the past several months ( including XXXX and XX/XX/year> ) including speaking with both an agent and a supervisor today ( XXXX ). Every single time I have been told our issue is being " escalated '' and that we would be contacted with a resolution. We have been given no resolutions, no ways to access our money that is sitting in our account, and have not been contacted or followed up with at all. Every time I speak with a XXXX  agent I feel like I am just being placated and gaslit. Today while speaking with a supervisor I was expressing my concerns that this would never be resolved and that they have not offered any other solutions and the supervisor was not even verbally responding to me or my concerns anymore. We rely on XXXX  as a fundraising tool and we rely on all of the funds we have raised to care for our foster animals. Not being able to access our money or raise more money through XXXX  has severely impeded our rescue this year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: SC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name 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 XXXX XXXX  ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability unde
r 15 U.S.C.

1681i.

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 2025-12-02 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: TX

Complaint narrative:
I wish to highlight that these accounts were opened without my consent, indicating potential fraud. I request a comprehensive investigation into these accounts and their immediate removal from my credit report. Enclosed are documents supporting my claims. I appreciate your swift attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following items in my credit report. I believe these accounts and addresses contain inaccuracies and require further investigation. Kindly review the information and take appropriate action to resolve these issues. 

Charged-Off Accounts in Dispute CXXXX 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
In XX/XX/year>, I attempted to pay off the full promotional balance on my Comenity/Arhaus account well before the promotional expiration date of XX/XX/year>. On XX/XX/XXXX, I added a new bank account to the Comenity online portal and submitted a full payoff payment. No errors, warnings, or declined-payment notices were shown, and the funds were available.

Despite this, the full payment was never processed. Instead, Comenity processed only a minimum payment weeks later on XX/XX/XXXX, after the promotional period ended. This created over {$5000.00} in deferred interest that should not have been assessed because the full payment was submitted before the deadline. 

I immediately contacted the company when I saw the issue. On XX/XX/year>, Comenity sent a letter stating that they had opened a dispute investigation and asked for up to 90 days to complete it. That investigation was never completed, and no findings were ever provided.

My attorney also contacted Comenity multiple times. Their responses were generic, did not address the actual problem, and ignored evidence that the full payment was submitted on XX/XX/XXXX. 

In a later written response dated XX/XX/year>, XXXX stated that no delinquencies are currently being reported, which contradicts the negative information appearing on my credit reports. Comenity has given conflicting explanations and has not corrected the error despite multiple attempts to resolve it.

Because Comenity failed to process my timely payment, failed to complete the investigation they initiated, and provided contradictory information in writing, the negative reporting and charges on the account are inaccurate and unfair. I am requesting correction of the account reporting and removal of the improper finance charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: SC

Complaint narrative:
Self Lender is reporting information on my credit file that is inaccurate, incomplete, and not legally verifiable. I requested verification and supporting documentation, and they failed to provide anything required under FCRA 611 and 623 ( b ). They have not produced the original contract, the itemized account history, the DOFD, or any documentation that substantiates the balance or the negative reporting. Instead of conducting a lawful investigation, they attempted to re-verify the account with the same unverified data, which violates the FCRAs requirement for a reasonable reinvestigation.

Self Lender is furnishing contradictory information and failing to maintain maximum possible accuracy as required under FCRA 607 ( b ). They are also violating 623 ( a ) ( 1 ) ( A ) by continuing to furnish information they can not verify. Their actions constitute unlawful reporting and negligent reinvestigation under federal law.

I am requesting immediate intervention because Self Lender is refusing to comply with federal verification requirements and is damaging my credit with unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
This debt was charged-off and sold to a debt collector also I didn't a 1099-C. It is on my credit report. It is considered fraud if they have written off the debt and still trying to collect money.

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 2025-12-02 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 disputing the accuracy and completeness of the following TransUnion-reported accounts : Charged Off / Collections XXXX XXXX XXXX XXXX XXXX XXXX The account details, dates, or balances appear inconsistent with my records. Please provide verification or remove them as required by law. 

XXXX. Inaccurate Inquiries The following hard inquiries were not authorized and should be verified or removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX. Late Payment Reporting Errors Please verify the following accounts reporting delinquencies : 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 non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one wont unenroll a fraudulent account they removed off credit report and XXXX XXXX after I have given them my ftc reference number theirs a profile created fraudentely that will not remove which is restricted they have been transferring to 18 different departments they have already wiped the collections due to the fraud XXXX XXXX has removed and collections purged will not be collecting on it they will not remove the fraudulent profile created which received the platinum credit card even after their approval off removing they will not unenrolled a fraudelent a regulator needs to be involved between this financial company at this point

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-12-02 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
Please treat this letter as an official request disputing the accounts in question. I am not affiliated with them and did not authorize their setup. Removal and investigation are requested. Documentation is included.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: TN

Complaint narrative:
On XX/XX/year> I paid two accounts in full that were on my credit report for unpaid utilities. XXXX was {$200.00} and the other was {$210.00}. Both were paid in full. I have disputed these accounts on my credit reports multiple times and both XXXX and XXXX have deleted them from my reports. XXXX keeps reaching out to the debt collector because I keep filing a dispute because the debt collector will not report the debt as paid. They keep telling XXXX the information on my report is correct when it isn't because I paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief