vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a formal complaint regarding a second unauthorized hard inquiry made by Capital One Auto Finance on XX/XX/year>, which appears on my credit report. I previously reported another unauthorized inquiry from the same company on XX/XX/year>. 

I have never applied for auto financing or any credit product with Capital One Auto Finance at any time. I did not authorize themverbally or in writingto access my credit file. I have no relationship with this company that would justify a credit inquiry. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, hard inquiries may only be made with a permissible purpose, such as a credit application initiated by the consumer. As I never applied for credit from this company, both inquiries are unauthorized and constitute a violation of federal consumer protection law. 

I respectfully request the following : That Capital One Auto Finance provide documented proof of any credit application or signed authorization for this inquiry. 

If no such proof can be provided, I request that this inquiry be immediately removed from my credit report in accordance with FCRA 611 ( a ).

That the CFPB investigate this second incident, including whether there is a pattern of unauthorized credit access or potential misuse of consumer data.

These unauthorized inquiries are harming my credit score and suggest serious flaws in the companys compliance or identity verification process. I am requesting the CFPBs assistance in ensuring my rights are protected and this issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC
State: LA

Complaint narrative:
XXXX XXXX  was the original debt collector for a {$580.00} bill that I didn't owe. The turned the collection over to Source Receivable Mng. I attempted to dispute the collection with Source Receivable Mng. They sent me a bill from their company, but I never received the original bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute and demand removal of fraudulent accounts that have been incorrectly reported under my name and Social Security number. The following account ( XXXX ) were not authorized by me and were opened or reported fraudulently : Creditor Name : XXXX Account Number : XXXX Reported Balance : {$21000.00} Dispute Reason : Fraudulent loan account / identity theft

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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute and demand removal of fraudulent accounts that have been incorrectly reported under my name and Social Security number. The following account ( s ) were not authorized by me and were opened or reported fraudulently : Creditor Name : XXXX Account Number : XXXX Reported Balance : {$21000.00} Dispute Reason : Fraudulent loan account / identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute and demand removal of fraudulent accounts that have been incorrectly reported under my name and Social Security number. The following account ( s ) were not authorized by me and were opened or reported fraudulently : Creditor Name : XXXX Account Number : XXXX Reported Balance : {$21000.00} Dispute Reason : Fraudulent loan account / identity theft

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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Unity Asset Management
State: OH

Complaint narrative:
They tried to contact one of my family members and left a voicemail.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$800.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$750.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  * XXXX, Date Opened : XX/XX/XXXX, Balance : {$5700.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$8300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-10-06 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: AL

Complaint narrative:
Dear Equifax 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: U.S. BANCORP
State: FL

Complaint narrative:
Since early XXXX, I have been attempting to complete a short sale on my property with U.S. Bank due to financial hardship. The home has been vacant and listed for sale since XX/XX/XXXX. It is currently under contract for the third time as a short sale, and all supporting documentationincluding the purchase offer and required forms from my realtorhas been submitted to U.S. Bank multiple times. 

Despite this, I have received conflicting and inconsistent information from multiple representatives at U.S. Bank regarding the status of my file. I have been told repeatedly over the past several weeks that my short sale file was in review and awaiting underwriting approval or waiting for a negotiator. However, on or around XX/XX/XXXX, I was told by another representative that U.S. Bank did not have a completed file and was missing documentationcompletely contradicting what I was told the week before. 

There is no single point of contact assigned to my case, and each representative gives a different answer about what is needed or what stage the review is in. I have not received any official correspondence or written updates about the status of my short sale or the mortgage assistance review. 

This process has caused severe delays and emotional distress. The home has been vacant for months, I can not afford to maintain it, and the hardship will not be resolved without completion of this short sale. I have made every effort to cooperate and provide all necessary information, but U.S. Banks lack of communication, organization, and urgency has made it impossible to move forward. 

I am filing this complaint because XXXX Banks mortgage assistance process has been mishandled, lacks transparency, and appears to be preventing a timely resolution of my financial hardship.

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 2025-10-06 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: NV

Complaint narrative:
I ordered companion card on way XXXX go card website and it stated on there that companion would not have access to my account any money going to companion card would have to be transferred by myself. On XX/XX/year> a deposit was posted to my account in the amount of XXXX and on XXXX the companion transferred all XXXX to companion card when I seen it I went onto companion account and there was only XXXX left which I transferred back to me and suspended card. I tried to report it and after sitting on hold almost XXXX hours I hung up and was able to get it reported on XX/XX/year>. I got a letter from XXXX stating if I filled out questionnaire and got it back to them by the XXXX business day from my initial call and the dispute wasn't resolved on XXXX business day I would get a provisional credit to my account in the amount of XXXX they claim on the XXXX they gave me the credit and then it was taken back which it never went into my account at all. The letter also stated that the dispute would be settled in 45 days as of today it still isn't settled. Every time I call it is a different things I am told and I was even told that they put the refund request into XXXX XXXX and XXXX and they approved it but then when I called and spoke to someone else again he said that is not true and he put in for the credit to be put into my account he said they had till the coming Friday by the end of day to put it in and I never got it. I spoke to XXXX supervisors in 1 day and got XXXX different responses of what was going on with my dispute and all XXXX completely different. As of today it still is not resolved. They also changed my name to XXXX stating that unemployment changed it to that and that is not true I am on their website weekly and it has been XXXX on it. I haven't used XXXX since XXXX XXXX 's and have asked them to fix it and they won't.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ) : See attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ) : See attached

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 2025-10-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
When I checked out my credit profile there were some inquiries listed that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I got an email saying my PayPal Mastercard was in the mail. I never applied for that. I try to get chats so I can copy what they tell me. I contacted customer service by and they said " PayPal XXXX XXXX is a XXXX product, but it is issued and handled by Synchrony bank. Please note that customer service for this product is provided by Synchrony Bank. Please contact their phone support and the contact number is ( XXXX ) XXXX. They are available XXXX. I would request you to please contact them and they will help you further. '' I went on my Experian account, which was locked months ago. Sure enough I have a XXXX card XXXX as on XX/XX/year>. I DO use PayPal for purchasing online for more than a decade because I felt it was safe. I have my credit card from XXXX XXXX XXXX XXXX listed as the default payment. I pay that card off every month. 

I couldn't get into Synchrony because I have not received the card. So I finally called the ( XXXX ) XXXX they suggested was Synchrony. I looked that up online and it did show up as Synchrony bank. It wasn't, it was another PayPal number. When Is got to a service representative ' I asked who authorized the PayPal Mastercard, because I never applied for it. She told me, we sent you an email saying if you didn't reply saying you didn't want the PayPal Mastercard within 30 days, they would authorize it. I never received any such email. I have made charges thru PayPal every month for online purchases. when I do, I choose XXXX which is already set up as my default payment. I did make a {$200.00} charge on XX/XX/XXXX with XXXX XXXX, which is a payment choice that XXXX has had for years, where if you pay the total within 6 months, you pay XXXX interest. I paid it off in 2 months. 

My questions is, is it legal for PayPal to " say '' they are going to give me a credit card with an email ( that I can't find ) if you don't refuse within 30 days, we're opening it. 

That is the complaint. I would like them to cancel my card. And hopefully be admonished for saying they sent such an email, which authorizes credit without my permission. I can't believe that's legal. I have no credit balance that I don't pay off every month, except my mortgage and my car. They would have made no money off me. 

If there is anything you need, I will supply it, if I had it. I didn't notice anything until I got the email today saying your PayPal Mastercard is in the mail, you will receive it in XXXX days. 

Respectfully 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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I disputed the balance on my account as they have it at XXXX when that is incorrect. I disputed multiple time and it came back as verified each time when this is incorrect so I would like this account removed and blocked according to FCRA law 15 U.S. Code 1681i.

the account status is wrong, the balance is wrong and the past due is wrong.

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 2025-10-06 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: AL

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am Filing a complaint against Cashapp XXXX Block Inc ) due to inadequate customer service and unfair practices which violates the consumer financial protection act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im submitting this complaint because there are inaccurate and unauthorized collection accounts being reported on my credit report by TransUnion. I have already requested that the debt collectors involved stop all communication with me, as allowed under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692c ( c ) ), which clearly states that collectors must cease contact after a written request.

Even after that request, these collectors continue to report the accounts to the credit bureau. This ongoing reporting still counts as a form of communication and is directly affecting my XXXX XXXX and overall financial reputation.

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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am filing a complaint against XXXXXXXX XXXX XXXX XXXX for inaccurate and unlawful credit reporting practices. 
This account ( # XXXXXXXX XXXX ) was previously removed from my credit report but has been reinserted without proper written notice as required under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ). The furnisher and credit bureaus failed to provide any documentation verifying that the reinsertion was accurate, permissible, or communicated within five business days as mandated by law. 
Details of the Issue The account continues to be reported as a charge-off with a balance of {$2300.00}, which is inconsistent across all three credit bureaus ( Experian, Equifax, and TransUnion ) XXXX 
I have requested validation and documentation multiple times under FCRA 623 [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ], which requires furnishers to report only accurate and verifiable information. 
No written validation or supporting records have been provided. 
Under Metro 2 Compliance Reporting Standards, furnishers are required to ensure consistency and accuracy in data fields such as account type, payment history, and status. These standards have not been followed. 
Failure to properly investigate violates FCRA 611 [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ], which mandates reasonable reinvestigation upon dispute.

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