vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Verified InaccurateXX/XX/XXXXAccount After Certified Dispute Description : I mailed a certified dispute regarding my XXXX XXXX account in XX/XX/year> and never received a mailed validation or supporting documentation from XXXX XXXX XXXX. Despite this, [ XXXXTransUnion ] verified the account as accurate. 

This violates FCRA 611 and 623 because the furnisher failed to provide validation or investigation results, yet the bureau reported the account as verified. 

The account continues to show an inaccurate balance and re-aged payment history.

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 2025-10-17 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: CA

Complaint narrative:
Unauthorized access to my credit report by multiple companies has caused direct and measurable harm to both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed ; however, that assurance has not been honored, and the inquiries remain. This failure to act is entirely unacceptable. The continued presence of these potentially fraudulent entries raises serious concerns of identity theft and has resulted in ongoing emotional and financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-17 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:
I was extremely disturbed to find out that multiple companies have accessed my credit report and submitted applications in my name without my consent or authorization. I did not recognize, approve, or initiate any of these inquiries, which clearly indicates identity misuse. It is deeply frustrating and unacceptable that my personal information was used in this manner, violating my consumer rights and causing me unnecessary stress and concern.

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 2025-10-17 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: WA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-17 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: NJ

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 XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am submitting this complaint regarding PORTFOLIO RECOVERY in connection with their attempts to collect on an alleged account that they have failed to validate under federal and state law. The company is furnishing negative information to the credit bureaus and contacting me about a debt they can not legally prove they own or are authorized to collect.

Specifically, I submitted a timely request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In response, the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the PORTFOLIO RECOVERY containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in California Without proof of ownership or a chain of title, PORTFOLIO RECOVERY has no legal standing to pursue collection, report to credit bureaus, or claim any right to payment. Furthermore, furnishing derogatory credit information under such circumstances constitutes false and misleading representation under 15 U.S.C. 1692e and may also violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information. 
I am requesting the following : 1. Immediate deletion of any credit reporting related to this account.

2. Cessation of all collection activity unless and until full validation and legal standing are established. 

XXXX. A complete investigation by your agency into PORTFOLIO RECOVERY 's practices of reporting and collecting on debts without proper documentation. This complaint is being submitted in good faith to protect my consumer rights. The failure to provide ownership documentation while attempting to collect or damage my credit is not only unethical-it 's unlawful. 

Account Details ( if required by platform ) Collector : PORTFOLIO RECOVERY Original Creditor : [ Original Creditor Name ] Alleged Account Number :XX/XX/XXXX Date of alleged charge-off or transfer : [ XXXX ] Date of collector 's first contact : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Benht: Economic Development Corporation
State: FL

Complaint narrative:
I applied for a XXXX loan length of time i put 9 months. Figured my payments would be around XXXX a month. I downloaded contract never opened it till today. Even signed there contract then they started to debit my bank XXXX every payday .I thought the XXXX payment was for 9 weeks. Been online a few times dosnt give a balance or how many payments left. So I opened the file today. Contract is for 39 payments at XXXX an the last payment is for XXXX dollars total is XXXX cents. That's 690 %

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: DC

Complaint narrative:
I am writing to advise that I am a victim oXX/XX/XXXX For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of thatXX/XX/XXXX 
ACCOUNTS :XX/XX/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 2025-10-17 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I was trying to pay someone {$1500.00} for a job they did.. I put in their information and it came up, but ended up going to the wrong person or a scam. I contacted CashApp immediately and let them know via app and phone call. I placed a refund request and chose " Sent to the wrong person ''. They said to give them 10 business day. Today, I reached out to them to find out about the refund they replied that the information was correct and it's not! I ended up having to pay the CORRECT person the {$1500.00} and losing {$1500.00} to the wrong person. Below is the email they sent me today. 


" Cash App Support XXXX XXXX ( 30 minutes ago ) to me Hi XXXX XXXX My name is XXXX XXXX and I am the manager at Cash App Support. I understand that you are having issues with a {$1500.00} payment you sent to the customer $ XXXX on XX/XX/XXXX at XXXX XXXX. Thank you for bringing this case to my attention. 

The information the advocate provided to you was accurate. I know this is not the answer you were looking for, and I do wish I had a better outcome for you.

I realize how this isnt your desired outcome I wish I could take further action here. Im unable to reverse this completed payment or take further action. 

To prevent sending money to the wrong person, take the following precautions : - Verify the name of the person before sending - Help confirm it is the correct person by tapping their display image to view their Profile - Use your own name in your Cash App so that friends and family will recognize it - Explain the purpose of the payment using the subject field - Double-check the spelling of $ XXXX - Add people you exchange money with often to your Favorites For more information, please view our Terms of Service ( https : //cash.app/legal/us/en-us/tos ). 

Although I cant help here, is there anything else I can do for you?

For questions or concerns outside of this case, please reply back to me here. 

Best Regards, XXXX Cash App Support Manager thread : XXXX : : ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 non-monetary relief
Consumer complaint received 2025-10-17 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: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
XXXX has two credit cards with approximately XXXX, then listed other cc for a total of XXXX. The bankruptcy was dismissed. They threatened to come after garnish wages. I believe they do not own this XXXX 
They want XXXX per month. I can not afford XXXX today. I offered a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company 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 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I deposited {$31000.00} into my Capital One 360 Checking account. On XXXX XXXX XXXX I attempted to transfer {$50000.00} from that same account to my personal brokerage. Instead of processing the transaction, Capital One flagged, froze, and then reversed the funds without legitimate reason or a verified security notice.

In the days that followed, I attempted to contact Capital One for clarification regarding the blocked transfer and account restrictions. On XX/XX/XXXX, I personally placed three verified outbound calls from my number ( XXXX ) to Capital Ones toll-free number ( XXXX ). These calls lasted approximately 44 minutes in total ( 20 minutes, 1 minute, and 23 minutes respectively ) and are fully documented in my T-Mobile call-detail records.

During those calls, I experienced unprofessional and racially charged remarks from one Capital One employee. The calls were part of my good-faith attempt to resolve the account freeze and blocked transfer. My carrier-verified phone records combined with the recorded call audio I have since retrieved directly confirm these interactions occurred on XX/XX/XXXX. 

Despite this, in its written CFPB response dated XX/XX/XXXX, Capital One falsely claimed there were no records of calls during that time period and simultaneously stated that the calls reviewed were handled appropriately. Both statements can not be true. If Capital One maintains that my calls were handled appropriately, then it must possess and produce the same recordings I now have. If they do not, that means the companys internal recordkeeping, complaint-handling, or disclosure practices are defective and misleading under 12 U.S.C. 5531 ( UDAAP ) and 12 C.F.R. 1005.11 ( Regulation E ).

Capital One can not legally dismiss a consumers complaint while refusing to acknowledge verified communications backed by authenticated carrier data. Their response to the Bureau contained materially false statements regarding the existence and handling of my XX/XX/XXXX calls, which raises serious questions about how Capital One conducts internal investigations especially those involving discrimination or mishandled transactions.

I am prepared to provide both the XXXX verified call logs and the recorded calls themselves to the CFPB upon request. Thes
e records prove that I made lawful, documented attempts to resolve the issue, and that Capital Ones own compliance division either ignored or concealed these interactions when responding to regulators.

This filing is not about the original account closure. It is a new complaint focused on Capital Ones false statements, evidence suppression, and failure to conduct a lawful and transparent investigation after receiving verifiable proof of communication. The companys denial of those calls is a clear procedural and regulatory violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: PR

Complaint narrative:
To whom it may concern, On day XXXX, I looked at my report. I sent a letter to XXXX on XXXX XXXX asking them to reinvestigate these accounts : XXXX XXXX, and here is my tracking number : XXXX On day XXXX  they sent me their investigation and said these accounts are complete and accurate.

I looked at my report and noticed everything is still the same..

and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
XXXX  really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case. 
XXXX XXXX XXXX on XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company 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