vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Subject : TransUnion Refusing to Update Accurate Account Status Despite Supporting Documents from Creditor I submitted a dispute to TransUnion regarding a paid personal loan from XXXX. I provided TransUnion with official documentation from the creditor showing the loan was fully paid. However, TransUnion continues to report the account as only Closed / {$0.00} and refuses to mark it as Paid or Paid in Full. 

I contacted TransUnion and was told they can see the documents but can not add any comments or updates. This directly contradicts their obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation and correct or complete consumer file information. 

I am requesting that TransUnion update the account status to Paid in Full as documented by XXXX, or clearly explain why they are refusing to reflect the correct status despite valid creditor documentation. This error is materially impacting the interpretation of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: NV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am victim of identity theft. There are inquiries on my Transunion Credit Report that are fraudulent and does not belong to me. I've already filed FTC Report. 
Inquiries are XXXX. XXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grow Credit Inc
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against Grow Credit for inaccurately reporting my account status to the credit bureaus. Despite fulfilling all my obligations, Grow Credit has reported my account as being in collections, which is false, harmful, and misleading.

Here are the key facts : I fully paid my balance with Grow Credit before the account was closed.

I received a refund check for my security deposit, confirming that there were no outstanding balances.

Grow Credit notified me that they would be closing accounts due to their contract ending with their sponsor.

In their communication, they promised that the account would be reported as paid as agreed and closed in good standing.

Despite this, I have now discovered that Grow Credit is reporting my account as in collections to the credit bureaus, which has negatively impacted my credit score and is damaging to my financial reputation.

This is unacceptable and a violation of fair credit reporting practices. I am requesting the CFPBs assistance to : Investigate Grow Credits inaccurate reporting.

Require them to immediately correct my credit report to reflect paid as agreed or closed in good standing.

Ensure this error does not affect my creditworthiness moving forward.

I have documentation supporting my claim, including payment confirmation, the deposit refund check, and Grow Credits closure notice. I am happy to provide any supporting materials needed for your investigation. I also want to note that I made this payment on XX/XX/ 2025. 

Thank you for your time and attention to this matter. I hope for a swift resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: LA

Complaint narrative:
What happened ( Statement of Pertinent Facts ) : Consumer Name : XXXX XXXX XXXX Consumer Date of Birth : XX/XX/XXXX Consumer Social Security Number : XXXX FTC Identity Theft Report Number : XXXX This complaint is being submitted under the Fair Credit Reporting Act ( FCRA ), Section XXXX ( XXXX U.S.C. XXXX ). I am requesting that EXPERIAN credit reporting agency block and permanently remove from my credit report all information that is the result of identity theft within four ( 4 ) business days, as required by law. 

The fraudulent item in question is an account reported by XXXX  account number ending in XXXX, reported as an unsecured financial obligation opened on XX/XX/XXXX, with a balance of {$4300.00}, three derogatory late payments ( 30, 60, and 90 days ), and a past-due status recorded in XX/XX/XXXX. 

I have no knowledge of this account. I did not authorize, open, or use any account with this company. I have never applied for services or financing through XXXX  This is clearly the result of identity theft. 

This account is negatively impacting my credit report, and I am requesting that it be immediately blocked and removed in accordance with FCRA 605B. 

Attached to this complaint are the required documents : My FTC Identity Theft Report ( Report # XXXX ) My government-issued ID Proof of my current address A signed written statement affirming this account is fraudulent Per FCRA 611 ( a ) ( 5 ) ( B ), I also request that no reinsertion of this information occur unless I am provided advance written notice. 

Failure to comply with this legal request will be treated as a willful violation, and I am prepared to file further complaints and initiate legal action under FCRA 616617 if necessary.

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 2025-07-11 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: FL

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 Services , 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I neither opened nor knew about these fraudulent accounts. I ask that they be removed from my credit report within 15 days, in line with USC 1681g. Attached are my supporting documents.

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 2025-07-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
I made a purchase from XXXX for a laptop computer using my affirm card ending in XXXX. I made monthly payments over {$320.00}. I returned computer to XXXX as i was unsatisfied. XXXX initiated refund. I am expecting refund of most if not all of Money paid but nothing and expecting not to have any more monthly payments needed for this returned purchase. I check affirm app and see funds returned to the affirm money account i didnt know i had rather than to the XXXX out the purchase price of the laptop. I try multiple times to chat with affirm. The chat reps keep talking in circles. Stating this was a loan, not credit though i used a card to make the purchase and that i am still required to make payments on the loan rather than using the refunded amount to payoff the purchase. Also all the monies i paid were only for interest on the loan so Affirm is keeping those monies. And i should transfer money refunded into my linked bank account. The same bank account i use to make monthly payments they now say wasnt linked thats why it goes to affirm money. Ive returned items through affirm before. Never had this problem. Now they are saying i am overdue on making payment on a product i returned and was refunded for. I transferred money into my linked account but that still says pending. I try to contact affirm and they say that i agreed this was a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: GA

Complaint narrative:
There are inaccuracies on my credit report that needs attention

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 2025-07-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There are inaccuracies on my credit report that needs attention

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One reported a charge-off to my credit report in XX/XX/year> without ever providing me written notice as required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ). This occurred while active disputes were still pending through Experian and the CFPB. At no time did Capital One verify the accuracy of the tradeline or notify me in writing that the account had been charged off. 

I was never sent any final decision, written outcome, or lawful explanation of their investigation or how it complied with the FCRA. This omission constitutes a violation of the statute and deprives me of due process under federal law. 

I am now demanding full deletion of the tradeline based on their failure to provide proper notice, lack of verification, and continued reporting of derogatory information in violation of 15 U.S.C. 1681i ( a ), 1681i ( a ) ( 6 ), and 1681s-2 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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:
I installed XXXX  and had a balance of XXXX well I was having trouble transferring money to my own cards off of their platform as well as I tried sending it to someone else which Ive been able to do on other platforms exactly like XXXX, such as PayPal  or XXXX and Ive never had any issues which should have been the case with XXXX, but that was not the case I was not even able to transfer the money to someone elses even though thats what the app is for I then contacted them and explain to them my situation and Im pretty sure I was speaking with a XXXX XXXX  bought and they gave me a whole list of things to do and I did all of those things every single thing on the step I completed and I did and after making sure my email was verified and making sure my friends account was verified. I got an email saying that my account was restricted and frozen for suspicious activity. I dont even know if they mentioned that at first actually they just kind of froze and I had no access to my account and then I called them about it, which it was very hard to get in touch with the customer service in the first place and once I spoke with them, they told me that there was nothing they could do about it, even after speaking to another representative who was a supervisor they also told me there was nothing they could do about it and I had to wait 3 to 5 business days to hear back from their special department that helps with this specifically and its been one or two days now not 3 to 5 days and I received an email this morning saying that my account is permanently deactivated and permanently suspended. I have no access to get my account back while my {$150.00} is just sitting in my account. They told me that they were trying to help me with customer service and they were gon na try to get it situated, even though it didnt seem like they cared at all they prove that they dont care at all and it feels like theyre trying to steal my money for multiple reasons but mostly because they just suspended my account with my money in there and now theyre saying that I have to wait up to 180 days to receive my money back. They still refuse to tell me what we did wrong even though I specifically requested to know what I did wrong. The people on the phone told me that they can not violate and and assume what we did wrong but they would make sure that they put in the system that I would find out what I did wrong still have no idea what I couldve possibly did wrong and my friends account was also suspended, but it was it was not Permanently. It was temporarily and she didnt send her ID in and she got an email saying thank you for sending your ID in and they reactivated her account which has XXXX dollars in it. She never had money on her XXXX  account so even more so reason for me to believe this company that I do not trust is stealing my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I signed up for a 7 day trial on XX/XX/year> I cancelled it on XX/XX/year> Trial ended per XXXX and XXXX on XX/XX/year> I wa charged the full {$95.00} by PayPal on XX/XX/year> Paypal refuses to give me my money back for a service I do not have. It was an ACH. I did not authorize as I cancelled my subscription with XXXX. PayPal made their own subscription that I did not agree to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-11 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure. 
4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure. 
4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 non-monetary relief
Consumer complaint received 2025-07-11 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:
My credit report XXXX  XXXX  Equifax Someone tried to open accounts Credit Card Loans And now my credit report of each agency. is INQUIRY Which I do not do, I have been a victim, identity theft. 
Thank

Company response to consumer: Closed with explanation