vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
This complaint is a continuation of my previous CFPB complaints XXXX and XXXX, which were closed pending a police report. I now have the police report number : XXXX. 

A fraudulent Acima lease was opened in my name for retail goods. I did not authorize this lease. This activity constitutes financial coercion and theft by false pretenses, as documented in my police report. I have previously notified Acima, requested verification of the account, and asked for removal of the fraudulent lease. 
Out of fear and pressure, I made payments toward this fraudulent lease, but I do not owe this debt and should not be held responsible for it. 
I did not authorize this lease freely and did not receive any merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CORELOGIC INC
State: AR

Complaint narrative:
Corelogic is the company that handles our escrow account. We have sent a letter from the VA showing that XXXX is XXXX XXXX XXXXXXXX and owes {$0.00} in taxes. Our county tax collector 's office has sent a letter also. The notice from us was sent XX/XX/year>, I sent a follow up message on XX/XX/XXXX, and then again on XX/XX/XXXX. There has been no response from them at all. Each time I have sent the email, I receive an automated response stating that they will get back with me within 8 business days. There has been no response at all.

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 2025-12-08 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) ... 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents. 
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA XXXX05B ( 15 U.S.C. 1681c-XXXX ) that you, the TransUnion credit XXXX XXXX XXXX XXXX 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. 
This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX * * * *, an opened account at XXXX XXXX on XX/XX/XXXX under the account number XXXX * * * *, a personal account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX * * * * * *. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-12-08 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) ... 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents. 
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA XXXX05B ( 15 U.S.C. 1681c-XXXX ) that you, the TransUnion credit XXXX XXXX XXXX XXXX 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. 
This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX * * * *, an opened account at XXXX XXXX on XX/XX/XXXX under the account number XXXX * * * *, a personal account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX * * * * * *. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit 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 2025-12-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
My Capital One account has been blocked because of a cash advance that I took on the account in XXXX. I paid off the account in XXXX and they blocked the account for fraud until they could verify that I am the owner of the bank account. 
I have submitted documentation to them 4 times now, including my bank statement, a canceled check, an Account XXXX, my drivers license, and other screen shots showing that I am the owner of the account. They have my full account number, name, address, and transaction history and everything matches. I just called in for the XXXX time and they now want to call my bank to verify. We were put on hold for XXXX minutes and I had to hang up. I have never experienced such difficulty verifying anything. I told them I was going to submit a formal complaint because it's been over 2 months since I have been able to use my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
I have no affiliation with these accounts ; please ensure they are removed within 15 days per USC 1681g.

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 2025-12-08 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: GA

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 XXXX 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 2025-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HUNTINGTON NATIONAL BANK, THE
State: CA

Complaint narrative:
Huntington National Bank funded my RV loan using incorrect and unauthorized documents submitted by a third-party F & I company ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). These documents do not match the contracts my wife and I signed at the dealership.

At the dealership, we signed Compass warranty and GAP contracts with the correct VIN and dealer ( Landons RV ). After the sale, DGDS submitted different AGWS contracts to Huntington that were never shown to us, not signed by us, missing the VIN, and dated falsely as XX/XX/year> ( a day we were not present ). DGDS listed itself as the dealer, which is inaccurate.

Because Huntington relied on these substituted documents, the warranty administrator evaluated our repair claim using the wrong contract and denied coverage under exclusions that do not exist in the Compass contract we signed. This caused significant financial harm and unsafe living conditions in our full-time RV.

I attempted to report fraud to Huntington. Two fraud-report emails bounced, and a 22-minute fraud call received no follow-up. Huntington also refused temporary hardship assistance while I was a federal employee working without pay during the shutdown. Huntington has not corrected the errors or investigated.

Huntington also notified us they never received the title packet, suggesting further documentation issues. This loan appears inaccurate because : wrong contracts were used unauthorized products were financed documents contain false dates and wrong dealer contracts are unsigned or missing VINs warranty denial resulted from substituted documents fraud reports were not processed hardship request was not handled title may be unperfected I request that Huntington : 1. Correct the loan to reflect the contracts we actually signed. 2. Remove unauthorized products and adjust the balance. 3. Provide the full dealer funding packet. 4. Explain why incorrect documents were accepted. 5. Confirm title/lien status . 6. Document and review my hardship request.

7. Respond in writing from compliance/legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
Date : XX/XX/year> Account Services XXXX. XXXX XXXX XXXX, GA XXXX RE : CFPB Complaint # XXXX Consumer : XXXX XXXX Issue : XXXX XXXX Reporting XXXX Legal Basis : Demand for Reinvestigation Under 15 USC 1681i & Documentation Under 15 USC 1666 ( b ) 1 XXXX Incorrect Account Number & Erroneous Opening Date Your response indicates you could not locate an account ending in XXXX but identified an account ending in XXXX, allegedly opened on XX/XX/year>. This information is inaccurate. I did not open nor authorize any XXXX account on that date. No signed application, IP logs, device data, or identity verification records were provided. This does not satisfy validation requirements. 
XXXX. Billing Statements Do Not Constitute Validation Under 15 USC 1666 ( b ), billing statements alone do not validate an account. Federal law requires a signed contract, full accounting ledger, proof of authorization for each transaction, and evidence the account was legitimately opened by me. 
XXXX. Inaccurate XXXX to XXXX XXXX Agencies Your claim that the account was accurately reported late between XXXX 2025 lacks documentation. You provided no proof of statement mailing, delivery, or actual delinquencies. 
Reporting unverifiable information constitutes a violation of 15 USC 1681s-2 ( a ). 
XXXX. Formal Request for Documentation Under FCRA & FCBA hereby request the following : ( XXXX ) complete account application ; ( XXXX ) signature authorization ; ( XXXX ) IP/device logs verifying account creation ; ( XXXX ) full payment ledger ; ( XXXX ) internal investigation notes ; ( XXXX ) proof of permissible purpose to report this tradeline ; ( XXXX ) original billing statement delivery records. 
XXXX. Mandatory Reinvestigation Required Due to errors and insufficient documentation, I demand a reinvestigation under 15 USC 1681i. During reinvestigation, you must suspend reporting. If validation can not be established, the tradeline must be deleted. 
XXXX. Confirmation of Disputed Status Please provide written confirmation that the 'disputed ' status has been applied to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. Federal Response Time Requirement You are required to respond within 30 days as mandated under the FCRA and FCBA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX: Dispute of Inaccurate Information on My Credit Report\n\nDear Equifax,\n\nI am writing to dispute the following inaccurate information on my credit report, which I found during a recent review of my report from Equifax. This dispute is being submitted pursuant to my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681, which mandates the reporting of accurate information by credit reporting agencies and furnishers of credit data.\n\nDisputed Account Details:\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis account is inaccurately reported. I am attaching supporting documentation to prove that the information is incorrect, including:\n\n-\tCopy of ID\n-\tSSN\n-\tProof of Address\n\nAccording to the FCRA, you are required to investigate my dispute within 30 days of receiving this letter. I also remind you that under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692, debt collectors and creditors must report accurate information and correct or delete incorrect data promptly.\n\nRequest for Action:\n1. Remove or Correct the Inaccurate Account: Please delete or correct this inaccurate information from my credit report across all relevant credit bureaus.\n2. Provide a Written Response: I expect a written acknowledgment of your receipt of this dispute within five (5) business days, and a final resolution within the legally mandated timeframe.\n3. Notify the Bureaus: If you determine that the account was reported incorrectly, please inform all three credit bureaus so they can update my report accordingly.\n\nFailure to comply with these federal laws may result in a complaint to the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and the State Attorney Generals Office.\n\nLegal Notice:\n\nPlease be advised that this letter serves as formal notice that I reserve my rights under all applicable federal and state consumer protection laws. If further inaccuracies or noncompliance are identified, I may pursue additional actions.\n\nThank you for your prompt attention to this matter. Please send any responses or updates to XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

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 2025-12-08 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. XXXX seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: AZ

Complaint narrative:
I am filing a formal complaint regarding Cash Apps handling of unauthorized transactions and their refusal to correct the negative balance they placed on my account. 

I reported multiple unauthorized transactions that were linked to my bank account ( XXXX  ). My bank completed a full investigation and issued a final decision in my favor for the disputed amounts, totaling {$1100.00}. My bank confirmed these transactions were unauthorized and provided documentation showing the disputes were approved. 

Cash App reversed the fraudulent charges back to XXXX, as required. However, instead of correcting my Cash App balance after the fraud was confirmed, Cash App left my account with a negative balance and refuses to fix it. 

Cash App will not remove the negative balance, even after the bank ruled definitively that the transactions were fraudulent. This is improper, misleading, and creates financial harm to me as a consumer. A customer should not be held responsible for fraudulent activity that their bank has already verified and ruled in their favor for. 

Additionally, Cash App referenced details from my XXXX dispute process in their communication with me. I am requesting clarification on how and why Cash App accessed and used dispute information from my banks investigation to justify keeping my balance negative. 

I am requesting regulatory assistance to require Cash App to : XXXX. Remove the negative balance from my account immediately. 
XXXX. Provide written confirmation that I do not owe any funds related to these unauthorized transactions. 
XXXX. Explain why they are refusing to fix my account balance after the bank confirmed the charges were unauthorized. 
XXXX. Clarify how they obtained and used information from my banks dispute process. 

I have attempted to resolve this directly with Cash App support multiple times and have received inconsistent and inaccurate responses. I am requesting intervention to ensure this is properly corrected.

Company response to consumer: Closed with explanation