vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bridge IT, Inc.
State: CA

Complaint narrative:
I have reviewed Brigits written response dated XX/XX/year>, and I reject their claims as inaccurate, misleading, and designed to evade liability. Their own admissions in this response establish multiple violations of federal consumer protection laws. 



1. Unauthorized Bank Account Access Brigit asserts that I agreed to link my bank account and that this permitted them to debit funds even after my account was closed. This is false and unlawful.

Under the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693e, recurring electronic debits require current, valid authorization. Attempting withdrawals from a closed account is unauthorized by definition.

Brigit has failed to produce documentary proof of my consent to post-closure debits, yet admits it continued to attempt them. That is a direct violation of federal law. 



2. False & Misleading Credit Reporting Brigit claims a 30+ day late payment was correctly reported because my XX/XX/year>XXXX  payment was not posted until XX/XX/year>. Their own narrative proves otherwise : Brigit openly admits my XXXX XXXX account was closed on XX/XX/year>. Despite this closure, they still furnished derogatory information to XXXX  regarding the XXXX late payment. 
Reporting a delinquency after closure is a clear factual and procedural error. A closed account can not accrue new delinquencies, yet Brigit acknowledges that they furnished exactly that. 
Furnishing knowingly inaccurate information violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), which imposes a duty on furnishers to ensure accuracy. This is not just an oversightit is willful misreporting.

3. Failure to Respond & Provide Resolution Brigit references its Terms of Service but ignores my federal rights under the EFTA and FCRA.

I escalated through both the XXXX  and the CFPB, yet Brigit continues to recycle boilerplate defenses instead of correcting clear legal violations. 
A pattern of ignoring escalated complaints reflects not only bad-faith conduct but also noncompliance with CFPB complaint process requirements. 



4. Notice of Arbitration & Damages Brigits own admissions will now serve as evidence in formal arbitration proceedings.

I will be seeking statutory damages of {$1000.00} per violation under the FCRA, restitution under the EFTA for unauthorized debit attempts, and compensation for reputational harm, time, and emotional distress caused by Brigits false reporting. 
The fact that Brigit acknowledges reporting a late payment even after the account was closed demonstrates gross negligence, reckless disregard for accuracy, and bad-faith furnishing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The following inquiries are fraudulent and should be removed from my credit report immediately : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries are damaging to my credit profile and were not authorized by me. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report for legitimate and permissible purposes. Since these inquiries were made without my consent, they violate federal law. 

I request that these unauthorized inquiries be deleted from my credit file immediately as they are the result of fraudulent activity and identity theft.

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 2025-09-11 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: EQUIFAX, INC.
State: CO

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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, Balance : {$4800.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX 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 2025-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-09-11 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: MI

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Multiple attempts to send different wire transfers and the woman would not send them. She messed up one wire transfer for me and another she said she couldn't send. I left that branch store and went to one 10 minutes away and they were able to send the transfers within minutes of my arrival.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: TX

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I want Capital One to remove all unauthorized charges, close this fraudulent account, and correct my credit report. 
I did apply for this Capital One credit card, but I never received it in my mailbox and I never activated or used it. Despite this, I later started receiving monthly statements showing charges that I did not make or authorize. 
I reported this as fraud to Capital One on three different occasions, but they have not resolved the issue. Instead, they closed my disputes and stated that the account belongs to me. 
The approved credit limit for this account was {$5000.00}, yet Capital One allowed charges to exceed {$11000.00} more than double the credit limit. Allowing charges far over the credit limit without verifying them shows serious negligence in their risk controls. 
In my reports, I specifically informed Capital One that the person committing the fraud was even making payments from a XXXX XXXX XXXX  account that does not belong to me. I asked them to investigate who that account belongs to, but they never responded to that point. 
I also filed a dispute with XXXX, but Capital One responded that the account was valid, and the dispute was rejected. 


.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-11 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : 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 XXXX XXXX  XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8300.00}

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 2025-09-11 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: AR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-11 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: CA

Complaint narrative:
The review is disconnected from my financial reality.

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 2025-09-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
i had a payment to post late and i asked forgiveness for it to be removed so i can purchase a new home.

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 2025-09-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: FL

Complaint narrative:
XXXXSometime in XXXX XXXX, I had gotten a dog (XXXX) from a business named ( XXXX XXXX XXXX) and I decided to go with the option of monthly/biweekly payments through a business named (easy pay finance). I the original price for the dog was approximately $XXXX, but when I spoke with the company easy pay finance I was told that I have paid approximately $XXXX  in total currently. I have been paying $163.50 biweekly to the company for approximately 1 1/2 years and would like to either cease and desist with the payment or cease and desist with the payment and possibly receive a refund of approximately $XXXX  which would be the approximate amount that was overpaid to them. As of typing this and submitting the complaint I owe approximately $XXXX  and still have 10 payments left on my account with them. Account # (XXXX).'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management is reporting a collection account on my credit file that I believe is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). The account is listed as opened in XX/XX/XXXXXXXX  with a scheduled removal date of XX/XX/XXXX. This suggests the account has been re-aged, because under the FCRA, collection accounts may only remain for seven years from the Date of First Delinquency ( DOFD ) with the original creditor. The true DOFD has not been provided or verified. 

Additionally, the account is showing month-by-month C ( Collection ) notations across multiple years. Industry XXXX XXXX reporting guidelines state that collection accounts should not display ongoing delinquency history, as this misleads lenders into thinking new derogatory activity is occurring each month. 

I disputed this account with the credit bureaus, and while the account was marked as disputed by consumer, the reinvestigation did not resolve the reporting errors. Midland and the bureaus failed to provide documentation of the DOFD or proof that the balance reported is accurate.

I am requesting that the CFPB require Midland and the credit bureaus to ( 1 ) provide documented proof of the true DOFD from the original creditor, ( 2 ) correct or remove the improper payment history, and ( 3 ) ensure the account does not remain on file beyond the legal reporting period. If this information can not be verified, I request deletion of the tradeline.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: IL

Complaint narrative:
Cashapp I will not release my friends even though they have credited back my account with the funds that I had disputed now they will not link a current debit card or a current checking account where I can transfer my funds this has been going on since XXXX  they were getting a 14-day. Of time to have my plans released to me by myself and by my attorney I has also filed with a XXXX  they had agreed to do this now they are saying it's going to be 60 days it's already been 3 years I need my funds today

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter is to follow up my dispute of a data breach affecting the integrity of my personal data reported on my Equifax credit report. The account in question is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} Date Opened : XX/XX/XXXXXXXX  Date of Last Activity : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXXXXXX  Date of Last Activity : 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