vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681c-2 ) that you, EQUIFAX credit reporting agency block information appearing on my consumer credit report that is result of identity theft and fraud within XXXX business days of receiving this complaint. This false, inaccurate, and fraudulent information consist of auto loans, personal loans, collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY These accounts have resulted in several fraudulent inquiries and accounts on my consumer XXXX report. I've attached a list of the accounts. I do not recognize the aforementioned accounts, collections, and inquiries reported.The aforementioned accounts you have on file on my consumer report was not initiated by me nor opened ; they are a result of identity theft. I have attached my FTC report as a result that the mentioned accounts were opened fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: FL

Complaint narrative:
On XX/XX/year>, Not acknowledging the restrictions The XXXX have regarding XXXX, I used the term XXXX within the notes when sending a friend ( within XXXX  ) money for travel arrangements. Instantly, my account was suspended, and my balance of {$660.00} was locked. After reaching out to Cash app numerous times ( app support and via email ), I finally received the email from Cash app on XX/XX/XXXX advising me to explain why I used the term XXXX. I replied to Cash app, advising them of my possible travel arrangements ( still presently with no knowledge of the XXXX restriction ), and that the money was not being used to give to someone in XXXX, or from XXXX. Once I understood the restrictions we had with XXXX, I quickly canceled my thoughts of even going to XXXX. I explained this to Cash app, but since late XXXX, I have not heard anything from them. I again reached out to cash app on XX/XX/XXXX, XX/XX/XXXX, and approximately XXXX days ago, but still, they have not replied nor release my funds to my bank account. I have reached out numerous times to get some sort of feedback or status regarding my funds, but no reply.. I guess Im considered a dummy for not knowing the restrictions we have regarding XXXX, but such a mistake shouldnt cost me {$660.00} for not knowing. It was a honest mistake that I should not cost me so dearly. I did not travel to XXXX, I was not sending money to XXXX XXXX I was not sending money to someone that was from XXXX XXXX I dont even know anyone from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ma XXXX XX/XX/XXXX ExperianP.O. XXXX XXXXXXXX XXXX XXXXXXXX Dispute of Inaccurate/Unverifiable Account XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am formally disputing the accuracy and legality of the tradeline being reported on my credit report under the name XXXX XXXX XXXXXXXX XXXX with account number ending in XXXXXXXX XXXX XXXX XXXX XXXX per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Here are the key factual and legal concerns : 1. Violation of 15 U.S. Code 1681i Failure to maintain accurate data : The account is being reported as Open with a $ 0 monthly payment, a past due of {$12000.00}, and no active credit limit, while simultaneously listing the loan term as 48 months and last payment made as XX/XX/XXXX. 
How can this be both an open and delinquent loan, with no monthly obligation, but still reporting an ongoing XXXX late status as of XX/XX/XXXX? This is inconsistent and misleading. 
I am requesting a re-investigation under 1681i, and if the data can not be VERIFIED and CORRECTED with complete accuracy, the account must be DELETED.

Violation of 15 U.S. Code 1681s-2 ( b ) Furnishers duty to investigate and correct inaccurate info The creditor is required to provide accurate and complete data to the bureaus. Yet, this tradeline is reporting a balance higher than the original high credit ( {$12000.00} vs. {$11000.00} ), with inconsistent activity and incomplete payment reporting. This implies possible data furnishing negligence or false balance inflation.

Outdated Payment History & Re-Aging Practices Potential Violation of FCRA & FDCPA The repeated 180-day lates without reset, despite a final payment listed months ago, may indicate unlawful re-aging or a failure to correctly update payment status.

Inaccurate or stale information must not be used to damage consumer credit beyond its statutory limits.

Failure to Verify under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) : If Experian can not verify the completeness and accuracy of this item within 30 days, you must promptly delete it from my credit file.

I am formally requesting that you Delete the tradeline for XXXX XXXX XXXX from my credit report entirely OR Provide documented verification, including complete payment history, original contract, and payment agreement terms that justify the current reporting. 
Please mail me a written confirmation of your findings within 30 days as required by the FCRA. Failure to comply may result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and possibly legal action for willful noncompliance. 
Sincerely, 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 2025-08-03 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: IL

Complaint narrative:
The following previous name and address are wrong : Incorrect Name - XXXX XXXX XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXXXXXX - The following personal information is incorrect- The personal data reporting is inaccurate.

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2025-08-03 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: FL

Complaint narrative:
This is a DEMAND TO COMPLY under 15 U.S.C. 1681c-2 ( FCRA Section 605B ), 1681e, and 1681s-2. The following accounts were fraudulently reported as a result of identity theft and must be BLOCKED from my credit file : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Acct : XXXX XXXX XXXX  Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct : XXXX Additionally, I demand that the following accounts be corrected to reflect 'Pays as Agreed/ Never Late ' : XXXX XXXX Acct : XXXX Should show 'Paid as Agreed/ Never Late ' Pursuant to the Fair Credit Reporting Act and related federal laws, the following statutory damages apply for each violation : FCRA 1681e {$1000.00} FCRA 1681b ( e ) ( 6 ) {$1000.00} FCRA 1681i ( 5 ) ( A ) {$1000.00} FDCPA 1692e {$1000.00} Total Damages : {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: FL

Complaint narrative:
This is a DEMAND TO COMPLY under 15 U.S.C. 1681c-2 ( FCRA Section 605B ), 1681e, and 1681s-2. The following accounts were fraudulently reported as a result of identity theft and must be BLOCKED from my credit file : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Acct : XXXX XXXX XXXX  Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct : XXXX Additionally, I demand that the following accounts be corrected to reflect 'Pays as Agreed/ Never Late ' : XXXX XXXX Acct : XXXX Should show 'Paid as Agreed/ Never Late ' Pursuant to the Fair Credit Reporting Act and related federal laws, the following statutory damages apply for each violation : FCRA 1681e {$1000.00} FCRA 1681b ( e ) ( 6 ) {$1000.00} FCRA 1681i ( 5 ) ( A ) {$1000.00} FDCPA 1692e {$1000.00} Total Damages : {$4000.00}

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 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I enrolled in a promotional offer promoted by TD Bank. However, they are refusing to pay the {$200.00} at the end of the XXXX promotional agreement. I strongly believe that they knowingly misrepresented the promotion and have engaged in unfair business practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XX/XX/XXXX, I booked a XXXX flight through Capital One XXXX for a longplanned family trip totaling {$1900.00} and XXXX miles. I even paid extra for the Cancel for Any Reason option, wanting to protect my family in case something unexpected happened. That worstcase scenario arrived we had to cancel due to health issues and Capital One promised me, in writing, that I would receive a travel credit worth the full {$1900.00}. 

The cancellation email from Capital One XXXX literally said : Good news! Since you added the option to cancel your flight for any reason, youre getting a travel credit worth {$1900.00}. When youre ready to use your travel credit, sign in and navigate to the XXXX Trips tab under My Trips. Youll see the option to Book With Credit. Or you can rebook by contacting the airline directly. 

At no point in that email or in any booking or cancellation communication was an expiration date disclosed. In fact, when we canceled, I was told over the phone that there were no expiration dates or blackout dates for this credit. I also never received any reminder emails about an upcoming expiration. 

When I attempted to use the credit in XX/XX/XXXX, Capital One informed me it had expired even though my Capital One XXXX account still shows the {$1900.00} credit as available ( screenshots attached ). When I pressed for proof that I had been notified, no one could produce it. I requested a copy of the notification and a case number for my escalation and was told neither could be provided. 

Over the course of XXXX hours, I spoke to at least XXXX different representatives and supervisors, including XXXX named XXXX. Every representative deflected responsibility to XXXX, even though I booked and paid through Capital One and the credit was issued by Capital One. I was explicitly told by a supervisor that she was the highest escalation point available and that there was nothing more they could do. 

Capital Ones only offer? A {$100.00} goodwill credit later raised to {$300.00} after hours of backandforth. That doesnt even begin to address the {$1900.00} cash value plus XXXX miles I used for this booking. 

I am asking for XXXX thing : honor the promise they made. Reinstate the {$1900.00} credit ( and restore or compensate the XXXX miles ) or provide equivalent compensation. Anything less disregards the clear verbal and written assurances I was given and leaves a family who followed every rule holding the cost of Capital Ones failure to notify.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Media Collections, Inc
State: NY

Complaint narrative:
XXXX lied and is attempting to collect a debt for equipment I returned as XXXX requested. 

XXXX worked with XXXX XXXX ( building security ) and XXXX ( runs a XXXX overtime fraud and harassment model ). 

XXXX XXXX and XXXX had earlier stolen rewards cards, money from laundry machine ( XXXX ) and extorted purchases.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: CA

Complaint narrative:
I went to circle k at XXXX XXXX XXXX XXXX California XXXX at XXXX. 
I gave the cashier {$86.00} to put on my cash app and cash form it would be {$85.00} and currency on cash check she took my money and it said deposited on my cash app but the money was not there I asked him why they said they were holding it for XXXX hours and it would be on there by morning it was not there I called them and they have not answered me and they are not talking to me even when I asked him for the supervisor they will not give me when they say it will only be emailed over to a supervisor and I will hear from them shortly never heard from them still wondering where my {$85.00} is

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair crdit reporting act the list of accounts below has violated my federaly protected consumer rights to privacy and confidentiality Under 15 U.S.C 1681 The accounts below have violated my rights.

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

15 U.S.C 1681 section 604 A section 2 It ats States a consumer reporting agency can not turnish a account without my with instrucions.

15 U.S.C 1681-2 ( A ) ( a ) A person agallas not furrish any information relatingto a consumer reporting agency it the person knows or has reasigna le cause to belive that the information is inaccurate. 

Delete the accounts below Inquiry - fecha XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-08-03 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:
I do not recognize the aforementioned accounts, collections, Charge Off, Late Payment or hard inquiries as reported. The aforementioned accounts, collections, Charge Off, Late Payment and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am filing this complaint against PayPal Holdings , Inc. regarding an unresolved and disputed negative balance of {$6900.00}, which PayPal has improperly referred to a third-party debt collector, XXXX despite my active dispute and lack of resolution. 

The negative balance resulted from an unauthorized transaction, which I disputed through PayPals resolution center under case number XXXX XXXX I provided evidence that my account had been accessed without my authorization and that the transaction was not made by me. 

PayPals only explanation was that the item was delivered to an address in XXXX and signed for by an unknown party. I have no connection to that address or the individual who signed for the delivery. Despite my evidence, PayPal closed the dispute in the merchant 's favor without proper investigation or justification. 

Following that, PayPal contacted me only through automated, pre-recorded calls and emails, simply stating that I owed the {$6900.00} balance. I was not given the opportunity to speak with a live representative or escalate my case to a XXXX. 

PayPal then transferred the alleged debt to XXXX for collection. I have never acknowledged this debt as valid and maintain that it is the result of unauthorized activity on my account. 

As a result, I have received repeated collection notices from both PayPal and XXXX. This has caused significant stress, concern for my credit profile, and frustration with the lack of a fair resolution process. 

Resolutions I am seeking : A full re-examination of my negative balance and dispute. 
Complete documentation and proof justifying the debt. 
Immediate retraction of the debt from XXXX until a proper review is completed. 
Assurance that no negative credit reporting will result from this disputed balance. 

I request the CFPBs assistance in ensuring PayPal complies with consumer protection standards and fair debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information listed on my Experian credit report related to my XXXX account. Below are the account details : Creditor Name : XXXX Account Number : XXXX Status : Closed and Paid Disputed Items : Reported XXXX and XXXX late payments This account was fully paid and closed on [ insert date ], and I have attached documentation showing the account is no longer active and that payments were completed. However, your records inaccurately reflect XXXX or more late payments ( 30 days and 60 days ), which negatively affect my credit profile. 

I believe this is an error, and I respectfully request that Experian investigate this matter with the creditor. Please remove the inaccurate late payment records from my credit file. This information does not reflect the actual history of this account. 

Enclosed are supporting documents including : - Final account statement from XXXX - Payment confirmation - Proof of account closure in good standing Under the Fair Credit Reporting Act ( FCRA ), I am requesting this matter be investigated and corrected within the legally allowed timeframe. 

Thank you for your prompt attention to this issue. Please notify me once the investigation is complete.

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 2025-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing this complaint against Capital One Bank ( USA ), N.A. for attempting to collect on a charged-off debt that they no longer legally own. Based on my research and understanding, this alleged debt was securitized into the Capital One XXXX XXXX ( XXXX ), which means Capital One is no longer the lawful owner and lacks standing to collect or report the debt.Despite this, Capital One has continued to engage in the following unlawful actions : XXXX. Attempting to collect the debt through correspondence and/or third-party agents without proof of ownership. On {$1900.00} and {$1700.00}. 

XXXX. Reporting an active balance to the credit reporting agencies under Capital One 's name, even though the account was charged off and presumably sold or securitized. 

XXXX. Refusing to provide full chain of title, XXXX and Servicing Agreement, or agency documentation when formally requested. 

XXXX. Failing to investigate and correct disputed credit information in violation of the Fair Credit Reporting Act ( FCRA ) .These actions appear to be in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the FCRA XXXX

Company response to consumer: Closed with non-monetary relief