vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: GA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On Tuesday XXXX I requested a balance transfer believing I was transferring Debt from my Capital One card to a XXXX credit card I had recently obtained. On XXXX I realized I made a mistake and called Capital One as I had made a transfer balance to my Capital One card and not from my Capital One card, which in summary I added to my total debt on my Capital One card. When I spoke with a representative on XXXX they told me I needed to wait until the payment was posted and then I could call back and the balance transfer would be reversed as they did not know if the transfer would be approved or not. On XXXX I called Capital One again as it had been posted and I was told I needed to call back in a day or two as the transfer had only just been posted. On XXXX I called and I was the on the phone for about 40 minutes and they told me that the balance transfer could not be reversed as it had already been posted. I am incredibly frustrated that I was told 3 different things on different occasions believe this is incredibly misleading and problematic.

Company response to consumer: Closed with monetary relief
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: AR

Complaint narrative:
I am submitting this follow-up complaint because the inaccuracies, obsolete information, and unverifiable accounts previously reported on my Equifax, Experian, and TransUnion credit reports remain unresolved despite my disputes under FCRA 611 . My reports continue to show multiple charge-offs including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ), and XXXX XXXX XXXX XXXX {$9000.00} ) with inconsistent reporting dates, missing or incorrect Dates of First Delinquency, and balance information that does not match my records, which raises violations of FCRA 605 ( a ), 605 ( c ), 607 ( b ), 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ). Additionally, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  continue to be reported without proper debt validation, contrary to FDCPA 807, 808, and 809. My reports also contain inaccurate, unauthorized, or duplicate inquiries including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which have not been corrected despite my disputes. These persistent errors across all three bureaus continue to misrepresent my creditworthiness, distort my consumer profile, and adversely affect my ability to obtain fair financial opportunities, and the bureaus have failed to provide complete verification, correction, or removal of the disputed items as required by federal law.

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: AR

Complaint narrative:
I am submitting this follow-up complaint because the inaccuracies, obsolete information, and unverifiable accounts previously reported on my Equifax, Experian, and TransUnion credit reports remain unresolved despite my disputes under FCRA 611 . My reports continue to show multiple charge-offs including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ), and XXXX XXXX XXXX XXXX {$9000.00} ) with inconsistent reporting dates, missing or incorrect Dates of First Delinquency, and balance information that does not match my records, which raises violations of FCRA 605 ( a ), 605 ( c ), 607 ( b ), 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ). Additionally, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  continue to be reported without proper debt validation, contrary to FDCPA 807, 808, and 809. My reports also contain inaccurate, unauthorized, or duplicate inquiries including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which have not been corrected despite my disputes. These persistent errors across all three bureaus continue to misrepresent my creditworthiness, distort my consumer profile, and adversely affect my ability to obtain fair financial opportunities, and the bureaus have failed to provide complete verification, correction, or removal of the disputed items as required by federal law.

Company response to consumer: Closed with non-monetary relief
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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On or about XX/XX/year> I noticed an unauthorized XXXX charge of {$720.00} on my Bank of America debit card. I DID NOT purchase this item, and I have never authorized anyone to use any of my cards. I immediately contacted the fraud department at Bank of America, and they cancelled this transaction debit card and issued the {$720.00} credit. I also, went to the police station and filed a report. Within a few days Bank of America withdrew the {$720.00} credit without considering the police report or any of the evidence I collected to prove the fraud. Then they reinstated the credit and on Friday XXXX I received a letter from Bank of America that their fraud department reached the conclusion that I make this purchase and will soon take {$720.00} out of my account. 

I did not authorize this transaction, I did not benefit from it, and I did not give permission to anyone to use my card or account. I reported the charge promptly and have cooperated fully with every request. 

Bank of America has not provided any of the following : A signed receipt A contract Authorization logs An IP address or device-ID Merchant confirmation Delivery confirmation Any proof that I personally approved the charge Under the Fair Credit Billing Act ( FCBA ) and Regulation Z, the burden of proof is on the bank to show authorization. They have not done so. 
Despite multiple disputes and requests for escalation, Bank of America continues to deny my claim while failing to provide the evidence they claim to have relied upon. Each time I ask for documentation used in the decision, I am told either that it is not available or that the merchant provided something but nothing has been provided to me. 

I am requesting that the CFPB requires Bank of America to : 1. Reopen and reinvestigate my claim 2. Provide all documents used in their denial decision 3. Correctly classify the charge as unauthorized 4. Restore the credit of {$720.00} and remove any related fees 5. Ensure the account is secured with a new card number Bank of Americas handling of this matter violates the intent and requirements of federal consumer protection laws. I am asking the CFPB to intervene, so the matter receives a lawful and fair review.

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: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
My vehicle was totaled. Primary insurance and GAP paid majority of the remaining loan balance. A temporary balance of {$2100.00} examines only because GAP insurance was still processing payment. The creditor charged off the account prematurely, before the GAP claim completed. The negative reporting does not accurately reflect the insured settlement and is therefore false, misleading, and damaging.

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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am a victim of identity theft. The following accounts you are reporting were opened and used without my authorization. I did not open, authorize, accept, or use these accounts, and I am not responsible for any balances, charges, or payment history on them.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am submitting this follow-up statement to request continued assistance from the Consumer Financial Protection Bureau in ensuring that my credit reports with Experian, Equifax, and TransUnion are accurate, complete, and consistent. After reviewing multiple accounts, I identified several discrepancies that require full reinvestigation and verification in accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5700.00} Date XXXX Date of Last Activity : XX/XX/XXXX late 30 days XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX reported in EX and TU. The XXXX account ending in XXXX shows a balance of {$2400.00} and reports a XXXX late payment for XX/XX/XXXX on TransUnion that does not XXXX on Equifax, creating a XXXX that must be verified directly with the creditor. The XXXX XXXX  account ending in XXXX, reflecting a {$91.00} balance and a series of late payment including multiple XXXX lates in XXXX and XXXX as well as a XXXX late in XX/XX/XXXX must be confirmed across all bureaus to ensure the dates and statuses match the creditors records. The XXXX XXXX account ending in XXXX, which shows a {$0.00} balance, includes late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; I request that each bureau verify the accuracy of these entries. Finally, the XXXX account ending in XXXX, reporting a {$150.00} balance and a XXXX late for XX/XX/XXXX, is not consistently reported across all bureaus, as this late payment is missing from my Experian file.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: World Acceptance Corporation
State: TX

Complaint narrative:
I am writing to dispute an account that has been misreported on all three credit bureaus. Although the company has stated this is a valid account, that information is inaccurate. The information is reported differently on all XXXX credit bureaus. The account is being misreported across my credit files. I am requesting that this account be removed. If it can not be proven as accurate, I ask that it be removed from all three credit bureaus immediately to ensure my credit report reflects correct and fair information. 
XXXX  has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of the dispute outcome. These failures align with my experience, where XXXX  has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. i am requesting immediate corrective action to remove or amend the dispute account, as XXXX inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NE

Complaint narrative:
I am submitting this complaint against Cash App ( Square , Inc. ) for the wrongful and unexplained closure of my account. On [ insert date ], Cash App suddenly closed my account, claiming that activity on your account goes against our Terms of Service, without providing any specific reason, evidence, or notice.

I have not engaged in any fraudulent, illegal, or prohibited activity. My account was in good standing, and all transactions were legitimate. Cash App has refused to provide a clear explanation, has denied me normal access to my account, and has created unnecessary financial hardship.

Cash App stated that I can no longer access my account. Their decision appears arbitrary, and their refusal to provide transparency violates principles of fair treatment and due process under the Electronic Funds Transfer Act ( EFTA ). 

I am requesting : A full investigation into why Cash App closed my account A clear explanation with documentation supporting their decision Restoration of my account OR a path to resolve any alleged issue Prevention of further unfair account actions without due process I attempted to appeal through Cash Apps internal channels, but they provided no meaningful support or explanation. Cash App 's lack of transparency and inability to justify the closure raises serious consumer protection concerns. 

I kindly request the CFPB to intervene and require Cash App to review and correct this wrongful account closure. 

Thank you for your assistance. 

Your Name : XXXX XXXX Phone : XXXX Email : XXXX Cash App Cash Tag : XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn\nTo Whom It May Concern,\nI am writing to dispute the validity of the alleged debt associated with the above-referenced account.\nUnder the provisions of the federal Fair Debt Collection Practices Act (FDCPA) and the Fair Credit\nReporting Act (FCRA), I hereby exercise my rights to request that all communication pertaining to this\ndebt be ceased and desisted immediately.\nIt has come to my attention that you have been attempting to collect this debt from me, and as per my\nrights granted by consumer protection laws, I am demanding that all communication cease with me, my\nfamily members, friends, or my employer concerning this or any other purported debts you claim I owe.\nAccording to the FDCPA and FCRA, I have the right to dispute the alleged debt and to request verification\nof the debt from your agency. I am requesting that you provide me with written documentation,\nvalidating the legitimacy of this debt, including the amount owed, the original creditor's name, and any\nrelevant account information. Until proper validation is provided, I dispute the debt in its entirety.\nMoreover, it is essential to bring to your attention the requirements outlined in the XXXX XXXX Reporting\nGuidelines, which are mandated by the FCRA. Any information you furnish to credit reporting agencies\nmust be accurate, complete, and updated. If you have already reported this debt to any credit bureaus, I\ndemand that you correct any inaccurate information immediately.\nFailure to comply with my request and the relevant consumer laws within 30 days from the date of\nreceipt of this letter will be considered a violation of my rights under the FDCPA and FCRA. In such an\nevent, I will have no choice but to file a complaint with the Federal Trade Commission and the Attorney\nGeneral of [your state here], outlining your non-compliance.\nPlease be advised that I am fully aware of my rights under the law and will not hesitate to pursue civil and\ncriminal remedies to ensure my rights are protected.\nSincerely,\n\nXXXX XXXXr"

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am formally reporting a severe case of identity theft resulting from the theft of my Social Security ID and Passport on or about [ Date of Theft ], which led to the fraudulent opening of multiple unauthorized accounts and numerous non-permissible inquiries on my consumer credit reports, discovered upon review on [ XX/XX/year> ]. I have already filed a FTC REPORT I demand that the Consumer Reporting Agencies and the respective furnishers immediately and permanently remove all resulting fraudulent entries, citing the requirements of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, which mandates the prompt blocking of information resulting from identity theft, and 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, which require a thorough reinvestigation and cessation of furnishing inaccurate information. ''

Company response to consumer: Closed with explanation