vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 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: IL

Complaint narrative:
The 3 Major Credit Bureaus has been reporting inaccurate, incomplete, or unverifiable information, including " Charge Off '' accounts on my credit profile from, XXXX XXXXXXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX, in violation of FCRA section 1681s-2 ( b ) ', i filled a written dispute letter by certified mailed XX/XX/year> to all XXXX bureaus requesting verification or deletion of those accounts. In accordance with FCRA section1681s-2 ( b ), i am requesting a XXXX copy from each account " XXXX XXXX '' if any verified. I want full securitization details such as the dates of closing. The name of the trust and assignment contract. I am requesting full validation including itemized statements and contracts. CEASE AND DESIST LETTER This letter serves as a formal notice under the Fair Credit Reporting Act ( FCRA ), 1681s-2 ( b ), regarding inaccurate information related to my consumer report that is being furnished to one or more consumer reporting agencies. I have disputed this information with the Credit Bureaus, and you have been notified of this dispute.

Under section 1681s-2 ( b ), upon receiving notice of a dispute from a consumer reporting agency, they are legally required to conduct a reasonable investigation regarding the disputed information, review all relevant evidence, and correct or delete any inaccurate, incomplete, or unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
My current credit available is {$470.00}. I tried to use my card to check into a hotel for {$200.00} and my card was declined. When I called to inquire, the creditor said that I recently made too large of payments and theyve put a hold on my account while the payments processed. These payments have processed through my bank account and the available credit is reflected as such on my account. I believe that proper communication should have been sent alerting me that a hold was temporarily being placed and that my card would be unavailable. At the very least, my available credit on my account should be accurate and not lead me to believe that I have credit available when I dont.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I had a flight booked with Capital One XXXX to fly home for the weekend to see my family. The flight was with XXXX XXXX. When booking, I purchased the flight disruption assistance add-on. It says on the capital one travel website that if your flight gets delayed or cancelled, capital one will rebook you with any airline or give you a refund. My flight got delayed, and I was going to miss my connection because of it. I called capital one travel multiple times to help me rebook my connecting flight, but they only gave me the option to rebook with frontier. All the flights they offered had multiple connections, overnight layovers, and wouldn't get me there until the next day. They refused to let me rebook with any other airline. They only provided me with the same options as XXXX XXXX was giving me. So basically I paid extra money to have no extra options. I had to cancel my trip. When I brought this up to capital one, they refused to refund me for the flight disruption assistance, even though my flight got disrupted and they didn't help me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXX XXXX XXXX Balance : Balance : {$15000.00} Open date XX/XX/XXXX Last activity XX/XX/XXXXXXXX XXXX XXXX Balance : Balance : {$0.00} Open date XX/XX/XXXX Last activity XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
I am submitting this complaint because my credit reports with Experian, Equifax, and TransUnion contain multiple inaccurate addresses, improper inquiries, and misreported account information that violate several sections of the Fair Credit Reporting Act, and despite my efforts to dispute these errors directly with the bureaus, the information remains unchanged. My TransUnion report is displaying two addresses that have no connection to me whatsoeverXXXX  XXXX XXXX, XXXX, FL XXXX and XXXXXXXX XXXX XXXXXXXX, FL XXXX violates FCRA 602 ( A ) regarding fair and accurate reporting, 607 ( b ) requiring maximum possible accuracy, and my right under 609 ( a ) ( 1 ) to correct inaccurate identifying information. In addition, all three credit bureaus are reporting XXXX XXXXXXXX with a {$0.00} balance, yet the account appears outdated, inaccurate, and potentially obsolete, in violation of FCRA 623 ( a ) ( 2 ) ( duty to update ), 623 ( b ) ( duty to investigate ), 602 ( accuracy requirements ), and 605 ( a ) ( prohibition on obsolete information ). My Experian file also contains numerous unauthorized hard inquiries, including XXXX XXXX XXXX ( XX/XX/XXXX ), EXPERIAN XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CARD ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ), none of which I recognize or authorized, violating FCRA 604 ( a ) regarding permissible purpose requirements and 605 ( a ) concerning reporting limits. My TransUnion report also shows unauthorized inquiries from XXXX XXXXXXXX XXXX ( XX/XX/XXXX ), XXXXXXXX XXXX  ( XX/XX/XXXX ), and XXXX XXXX XXXX XX/XX/XXXX ), which similarly lack any permissible purpose and appear unlawfully placed. These inaccuracies collectively misrepresent my identity, damage my creditworthiness, and violate the FCRAs requirement for accuracy and lawful data handling. I am requesting CFPB assistance because the bureaus have not corrected these issues even after receiving disputes, leaving me with a report full of false information that is harming me financially and personally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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:
I am submitting this complaint because my credit reports with Experian, Equifax, and TransUnion contain multiple inaccurate addresses, improper inquiries, and misreported account information that violate several sections of the Fair Credit Reporting Act, and despite my efforts to dispute these errors directly with the bureaus, the information remains unchanged. My TransUnion report is displaying two addresses that have no connection to me whatsoeverXXXX  XXXX XXXX, XXXX, FL XXXX and XXXXXXXX XXXX XXXXXXXX, FL XXXX violates FCRA 602 ( A ) regarding fair and accurate reporting, 607 ( b ) requiring maximum possible accuracy, and my right under 609 ( a ) ( 1 ) to correct inaccurate identifying information. In addition, all three credit bureaus are reporting XXXX XXXXXXXX with a {$0.00} balance, yet the account appears outdated, inaccurate, and potentially obsolete, in violation of FCRA 623 ( a ) ( 2 ) ( duty to update ), 623 ( b ) ( duty to investigate ), 602 ( accuracy requirements ), and 605 ( a ) ( prohibition on obsolete information ). My Experian file also contains numerous unauthorized hard inquiries, including XXXX XXXX XXXX ( XX/XX/XXXX ), EXPERIAN XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CARD ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ), none of which I recognize or authorized, violating FCRA 604 ( a ) regarding permissible purpose requirements and 605 ( a ) concerning reporting limits. My TransUnion report also shows unauthorized inquiries from XXXX XXXXXXXX XXXX ( XX/XX/XXXX ), XXXXXXXX XXXX  ( XX/XX/XXXX ), and XXXX XXXX XXXX XX/XX/XXXX ), which similarly lack any permissible purpose and appear unlawfully placed. These inaccuracies collectively misrepresent my identity, damage my creditworthiness, and violate the FCRAs requirement for accuracy and lawful data handling. I am requesting CFPB assistance because the bureaus have not corrected these issues even after receiving disputes, leaving me with a report full of false information that is harming me financially and personally.

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 2025-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I was the victim of a sophisticated impersonation scam involving a fake buyer on XXXX XXXX and someone pretending to be a XXXX representative. I was socially engineered on a live call/screen-share and manipulated into taking a Cash App Borrow loan that I did not want, did not intend to take, and did not understand was being initiated. 

The scammers directed me to send the borrowed funds immediately out of my Cash App Bitcoin account to a fraudulent wallet under false pretenses. I never received any benefit from the Cash App Borrow loan. The funds went directly to criminals. This was a clear case of fraud and deception.

Immediately after realizing I had been scammed, I filed a police report. My bank closed my account due to fraud. Detectives contacted me again months later in XXXX and collected additional evidence, meaning the case is active. Cash App was informed that this was part of a police-investigated fraud case, but they still insist that I am responsible for the Borrow loan. I am being held liable for a debt created entirely through social engineering and impersonation. 

Cash App has refused to remove the Borrow balance even though I did not knowingly or voluntarily borrow money for my own use. The loan was taken under fraudulent circumstances, induced by impersonation, and the funds were stolen immediately. This has caused severe financial hardship, and I can not pay a debt created entirely through criminal activity. 

I am requesting that Cash App : ( 1 ) recognize this as a fraud-induced transaction, ( 2 ) close or forgive the Cash App Borrow loan balance, and ( 3 ) stop sending collection notices for a fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
The company is showing I opened an account with them. However, I have spoken with the company and asked them to stop contacting me about an account that was never opened or authorized by me. They are still harassing and making negative reports about me to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: FL

Complaint narrative:
I am submitting a complaint because multiple fraudulent accounts and unauthorized hard inquiries were added to my credit reports with Experian, Equifax, and TransUnion. I am a confirmed victim of identity theft. I already filed an FTC Identity Theft Report, and the official report number is XXXX. 

The fraudulent accounts were opened without my knowledge or consent, and several companies reported activity in locations where I have never lived. These accounts do not belong to me and were created using my stolen personal information. 

Despite not authorizing any of these accounts or inquiries, they continue to appear on my credit reports and are damaging my credit standing. Under federal law, specifically FCRA Sections 605B and 611, credit bureaus are required to block and remove fraudulent information once an FTC Identity Theft Report is provided. 

I have already taken action by gathering evidence that confirms my true identity and address, including W-2 documents from XXXX and bank statements. These documents clearly show that I did not live in the locations connected to the fraudulent accounts. 

I am requesting that all companies involved stop reporting fraudulent information and that all identity-theft-related accounts and inquiries be blocked, deleted, and permanently removed from all three credit bureaus.

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 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year> Capital One restricted my checking account and put all my funds on hold. Despite I verified my identity in-person at their office I was not able to receive the money from my account from Capital One. On XX/XX/year> I submitted complaint # XXXX to the CFPB. In their response Capital One requested to submit documentation evidence to the company e-mail. I e-mailed the evidence on XX/XX/year> and on XX/XX/year> and confirmed the reception at the Capital One phone line. The Capital One representative told me my case was not reviewed as XX/XX/year>. They refused to provide the date and method of refund of my funds on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
To Whom It May Concern : I am filing this complaint regarding inaccurate late payment information reported on my credit report by [ list bureaus : Equifax, TransUnion, Experian ]. These items are from an old, closed account with SELECT PORTFOLIO SVCIN ( Account Number : XXXX ). 

Despite my efforts to dispute these items directly with the credit bureaus, the negative information remains on my credit file. The late payments reported ( XXXX, XXXX, XXXX XXXX ) are factually incorrect and do not reflect my actual payment history. This inaccurate reporting is damaging my creditworthiness. 

Details of Dispute Creditor : SELECT PORTFOLIO SVCIN Account Number : XXXX Account Type : Mortgage Status : Paid, Closed Date Opened : XX/XX/year> Inaccurate Items : Multiple late payments reported ( XXXX, XXXX, 90 days ) I request that the CFPB investigate this matter and direct the credit bureaus to correct or remove these inaccurate items immediately. Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i, 1681e ( b ) ), these items can not remain on my credit report if they can not be fully verified.

I have included copies of my identification, correspondence with the credit bureaus, and any supporting documentation. 

Thank you for your prompt attention to this matter. I expect a timely response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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 several companies has directly harmed my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries remain. This failure to act is unacceptable and negligent. The continued presence of these potentially fraudulent entries is highly alarming and strongly indicates possible identity theft. This unresolved issue is causing ongoing emotional and financial harm, and I will not tolerate it any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TX

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 2025-11-17 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: TX

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 2025-11-16 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: NY

Complaint narrative:
A fraudulent account was opened in my name while I was incarcerated. 
I did not open this account, authorize it, or benefit from it. 
The creditor reported the account to the credit bureaus even though I was physically unable to open or use any credit. 
I am requesting deletion under FCRA 605B and all proof of how the account was opened.

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