vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Credit Card Acquisitions Group
State: MA

Complaint narrative:
I am filing this formal complaint against Foster and Monroe LLC for aggressively and deceptively placing a fraudulent collection account on my XXXX credit report, tied to a contract that I never signed or authorized. I was the victim of identity theft, and this company is exploiting that breach by attempting to validate a debt using a fabricated contract containing my personal information. 

Despite multiple formal requests sent via legal and appropriate channels instructing them to validate the debt by mail, they instead sent unsolicited and suspicious documents via text message attachmentwithout my consent. This is not only an unacceptable form of validation, it is also a violation of my privacy and a clear attempt to bypass my right to written communication and verification under the Fair Debt Collection Practices Act ( FDCPA ). 

More alarmingly, their actions pose a digital security threat : they sent a downloadable file ( PDF ) via SMS which could contain spyware, malware, or any malicious code. This is especially dangerous because I was recently notified that my personal information had been compromised in the XXXX XXXX XXXX XXXXXXXX cybersecurity breach. Their unsolicited file increases my risk of further identity theft or unauthorized device intrusion. 

I have received multiple texts after asking them to stop, and I have never provided any consent for text-based communication. Their conduct is reckless, hostile, and harassing. When I rejected the fake contract, they continued to threaten me with negative credit reporting and pressured me to take action with law enforcement instead of following their own legal obligations. 

They never notified me in writing of this debt before reporting it to the credit bureaus, which is a direct violation of my 15 U.S. Code 1692g ( a ) rights under the FDCPA. Furthermore, this company is not even properly licensed to collect out-of-state, as confirmed by the XXXX XXXX XXXX ( XXXX ) , where they hold an F rating due to lack of proper competency licensing and a failure to respond to over 30 previous complaints. 

They are violating both federal and state laws, actively placing fraudulent data on consumer reports, refusing to communicate through proper channels, and intentionally exposing consumers to digital and reputational harm.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-11 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: TX

Complaint narrative:
This account XXXX XXXX XXXXXXXX is reporting on my credit reporting as a charge off. I have no knowledge of this account IRS have no charge off account with this information from this company. U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Account in Question : XXXX XXXX Account # XXXX I am writing to formally dispute information on my credit report concerning the account listed above with XXXX XXXX ( Account # XXXX ). I believe this account has been reported or used improperly, and I am requesting an immediate reinvestigation under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( a ).

Furthermore, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am requesting that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of the furnisher ( XXXX XXXX ) and any contact information provided. This provision requires you to disclose this procedure not later than 15 days after receiving my request. 

Please find enclosed the following documents supporting my 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
Consumer complaint received 2025-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
In XX/XX/year>, I mistakenly registered my PayPal account as a business account without fully understanding the requirements or implications. I only receive small payments for digital content such as product reviews and collaborations, and I do not operate a formal business. 

On [ XX/XX/year> ], PayPal placed a permanent limitation on my account, restricting my ability to send or withdraw money. I contacted PayPal customer service multiple times to explain my situation and requested a review or the opportunity to provide additional documentation. However, they informed me that the limitation is permanent, and there is no appeal process available. 

As a result, I am unable to access the funds in my account or use XXXX services as before. I believe this limitation was made in error, and I am seeking assistance to have my account reviewed and the restriction lifted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax, Experian, and TransUnion are currently reporting late payment notations that I dispute as inaccurate, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ). These include the following accounts : XXXX XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX  ), a closed account which is still being reported with past due remarks despite showing a {$0.00} balance and no ongoing delinquency. 
XXXX ( account ending in XXXX XXXX XXXX XXXX XXXX  ), reported as having a late payment on or around XX/XX/year>. 

These entries either reflect outdated, unverifiable information or are being reported in a manner that distorts the true standing of the accounts. In the case of XXXX XXXX the account is closed and the balance is listed as {$0.00}, yet it continues to be reported with past due indicators that do not align with the actual financial status. This is both misleading and materially damaging. With the XXXX entry, I have not received any documentation or supporting evidence substantiating the accuracy of the alleged late payment in XX/XX/year>. It is my belief that this XXXX be the result of misapplied data, a broader reporting error, or possibly linked to the data compromise events that have affected consumer reporting in recent years. 

Under the Fair Credit Reporting Act, these credit bureaus are obligated to maintain maximum possible accuracy in the information they report, as per 15 U.S.C. 1681e ( b ). They are also required to conduct a full and reasonable reinvestigation of disputed items under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Furthermore, if any item of information is found to be inaccurate, incomplete, or unverifiable, it must be promptly corrected or deleted under 15 U.S.C. 1681i ( a ) ( 5 ). Failure to meet these obligations constitutes a violation of federal law and significantly undermines the integrity of the consumer reporting system. 

These discrepancies are not minor. They have a direct impact on my creditworthiness, financial stability, and access to fair lending. Moreover, the continued reporting of inaccurate or improperly verified derogatory marks reflects either a failure by the data furnishers to provide accurate updates or a lack of diligence by the credit bureaus in reviewing consumer disputes. 

Recent actions by the CFPB have made it clear that the big XXXX credit reporting agencies are under heightened scrutiny for improper handling of disputes and superficial reinvestigations. This complaint is being submitted with the expectation that these agencies take their legal responsibilities seriously and comply fully with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: AZ

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. Im 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 4 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 2025-06-11 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: SC

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance : {$16000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$17000.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/year>, I went to XXXX for my sons graduation and paid using the self-service XXXX at the table. I accidentally left a {$50.00} tip instead of {$5.00}. I went back to the restaurant and spoke with the manager, who confirmed that a {$45.00} refund was issued that same day. She gave me a refund receipt with her name, the last four digits of my card, and a message saying the refund would be processed within XXXX business days. I paid using Cash App, and even after submitting all the proof, including the receipt, Cash App continues to deny my dispute, and I still havent received my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: NY

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$740.00}

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 explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My name is XXXX XXXX, and I am writing to request urgent assistance regarding a {$6700.00} check reversal processed on my Capital One account on or around XX/XX/year>. 

The check in question was issued by the State of Colorado and mailed to your official overnight check deposit address. I was recently informed that the check was voided by the state, and Capital One has reversed the funds.

I have since contacted the State of Colorado directly, and they confirmed the following : I do not owe them any money The second check was already voided The reversal was not initiated by the state, and appears to be due to a processing error by Capital One I was also told by a Capital One representative that I must visit a physical branch to resolve this issue. This is not possible, as the check was deposited via mail, not in person, and I followed all proper procedures.

I am now experiencing a disruption in access to my account, and I am concerned about unauthorized recovery actions or holds on my savings account. I respectfully request : 1. A full internal review of how this voided check was accepted and reversed 2. Immediate restoration of any funds or access improperly restricted 3. A written explanation of what occurred 4. An assurance that my savings account will not be debited due to this issue Please treat this as an urgent complaint. I am prepared to escalate to the Consumer Financial Protection Bureau if I do not receive timely assistance.

Thank you for your time and attention. 

Sincerely, XXXX XXXX Capital One Account Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: AL

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving this matter.

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 2025-06-11 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: WA

Complaint narrative:
In XXXX of XXXX a XXXX XXXX XXXX consultant worked out a project plan for solar installation at my home address. Financing was to be provided, and approved by, XXXX XXXX. During pre-project preparation asbestos was discovered in my attic and the project was canceled by XXXX. As of today, XX/XX/XXXX, XXXX XXXX has not canceled or closed out the loan. When I requested the loan be canceled they directed me back to XXXX XXXX, which I did. During my conversation with the representative at XXXX I was informed that XXXX XXXX has put a hold on all cancelations with their company and will not allow XXXX to cancel this project/loan with them. This loan has been sitting on my credit report, damaging my credit rating, for a full year despite the fact that no work was ever completed and no payments were ever requested. XXXX XXXX is a perpetrator of fraud and should be shut down.

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 2025-06-11 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:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Urgent Dispute & Request for Immediate Removal of Fraudulent Accounts Under FCRA Dear Experian, I am writing to formally dispute fraudulent accounts and negative items that have appeared on my credit report as a result of XXXX  data breach and identity theft. Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), you are required to block and remove fraudulent accounts within four ( 4 ) business days upon receiving proper notification.

Attached is a copy of FTC report also proof of residence and dispute letter

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 2025-06-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I made my payment to the card company on XX/XX/XXXX. The bill was generated XX/XX/XXXX. 
The company wavied the late fee that was generated. but now they are claiming I did not make my payments and my payment amount doubled and its due XX/XX/XXXX. But I made my payment XX/XX/XXXX XXXX, XX/XX/XXXX. 
Due to this technicality, it probably is on my Credit report to avoid payment. They want me to pay double. I can afford to pay a double right now and its not fair

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 2025-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
I do not have a cash app account but had charges on my debit card to cash app customer XXXX XXXX of XXXX, CA on XX/XX/year>. Neither the bank or cash app offered any support. 
I have requested help from Cash App and Chime bank The charges are as XXXX {$10.00}, {$2.00}, {$10.00}, {$2.00} {$490.00}, {$1.00}, {$1.00} These are fraudulent and Cash App allows it. They are more worried about

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: VA

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX VA XXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/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