vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 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: NJ

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/year> under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/year> with a balance of {$43000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-06 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: WA

Complaint narrative:
The company is willfully furnishing false, inconsistent, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Metro 2 reporting standards. The tradeline contains contradictory dates, account statuses, and payment histories across the credit reporting agencies, creating a materially inaccurate consumer file. I have made multiple written requests for verification in compliance with FCRA 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under FCRA 616 and 617, which entitles me to statutory, actual, and punitive damages.

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 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: GA

Complaint narrative:
United Collection Bureau , Inc. contacted me and is attempting to collect on an account that is not legally valid. They have failed to provide proper validation, misrepresented themselves as the creditor, and reported or threatened to report inaccurate information to the credit bureaus. 

Here are the violations I experienced : FDCPA Violations : They misrepresented ownership of the alleged account ( 15 U.S.C. 1692e ), used unfair collection practices ( 15 U.S.C. 1692f ), and failed to provide proper validation ( 15 U.S.C. 1692g ).

FCRA Violations : They furnished or attempted to furnish inaccurate tradeline data in violation of 15 U.S.C. 1681s-2.

GLBA Violations : They mishandled and improperly shared my nonpublic personal information ( 15 U.S.C. 6802 ).

XXXX / XXXX XXXX Issues : Based on accounting rules, once receivables are securitized or sold into trusts, they must be derecognized. Continuing to collect or report after derecognition constitutes constructive fraud. 

Their actions have caused harm, stress, and damage to my creditworthiness. They continue to act as though they are the rightful owner of a debt that has likely been sold, securitized, and derecognized under federal accounting rules. 

I am requesting that United Collection Bureau , Inc. immediately : Cease all collection activity. 

Remove and delete any negative tradeline information they have furnished. 

Provide a full UCC 9-210 accounting, Forward Flow Agreement, and chain of title documentation. 

Compensate me for statutory damages under the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
Someone either skimmed my debit card number from a self checkout or the hotel I gave my number to over the phone to reserve a room in XXXX XXXX used it for XXXX or more digital wallets running up over {$1700.00} in fraudulent charges. A total of XXXX fraudulent charge and out of the XXXX, XXXX has reversed XXXX and returned our funds and these below cases were denied, some denied twice and XXXX more are left as open cases still. There is no question the charges aren't mine, but because they appear to be " in store purchases '' through digital wallets they keep deny some of the cases that are clearly just like the ones they returned our money on. 

Case ID : XXXX Disputed amount : {$18.00} USD Date reported : XX/XX/2025 Case ID : XXXX Disputed amount : {$26.00} USD Date reported : XX/XX/2025 Case ID : XXXX Disputed amount : {$45.00} USD Date reported : XX/XX/2025 Case ID : XXXX Disputed amount : {$62.00} USD Date reported : XX/XX/2025 Case ID : XXXX Disputed amount : {$33.00} USD Date reported : XX/XX/2025 Case ID : XXXX Disputed amount : {$75.00} USD Date reported : XX/XX/2025 Case ID : XXXX Disputed amount : {$57.00} USD Date reported : XX/XX/2025 XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I received two " New Inquiries '' alerts from XXXX on XX/XX/XXXX, and two " New Account '' credit alerts on XX/XX/XXXX from Syncb/ppmc. I do not know what these companies are, and did no apply with any credit companies, so these were not made by me. The associated addresses are respectively : XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX, PA XXXX 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 2025-09-06 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: NC

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXXI am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.                               XXXXFRAUDULENT ACCOUNTS:XXXXAccount Name: XXXX XXXX XXXX XXXXDate Opened XXXX XXXXAccount Name: DEPT OF EDUCATIONXXXX XXXX  -Date Opened XXXX XXXXAccount Name: DEPT OF EDUCATION/XXXX XXXX  -Date Opened XXXX XXXXAccount Name: XXXX XXXX -Date Opened XXXXUNAUTHORIZED INQUIRIES:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Newport Intermediate Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I sent XXXX $ USD to my International account and after a few days it had shown from the original US account to have transfered however didn't show on my international account to have been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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:
This complaint is not submitted in error. My credit report shows accounts that were never opened, authorized, or managed by me. Their presence is inaccurate, misleading, and damaging to my credit.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
there was a breach on transunion and now theres accounts on there with wrong information.

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 2025-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I have a cash app where I get money from my mom and family members and I also use XXXX and I also make purchases from different stores and literally it took me by surprise when cash app said something about fraudulent activity I asked him to produce evidence they were they lack to give me evidence and clothes and block my account which that is lawfully a lawsuit in itself because they didn't give me no kind of evidence of what fraudulent activity was done because it wasn't any

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am requesting a full and immediate reimbursement of over {$40000.00} in unauthorized ACH payments debited from my Bank of America account to a fraudulent XXXX XXXX account that was opened without my knowledge or consent. 

I have submitted both an FTC Identity Theft Affidavit and an official police report, which clearly demonstrate that this was a case of identity theft and ACH account takeover. Despite this, Bank of America failed to follow proper regulatory protocol by : Misclassifying the fraud This was not simple card fraud, but an account-level ACH fraud, meaning my banking credentials were compromised. Under CFPB Compliance Bulletin XXXX, banks are required to treat such reports as unauthorized electronic fund transfers under Regulation E ( 12 CFR 1005.6 and 1005.11 ). 

Failing to secure my account post-breach Even after I notified the bank of the breach and submitted legal documentation, Bank of America refused to close or replace the compromised account, leaving me vulnerable to further fraudulent activity. This is a direct violation of best practices outlined by the Federal Financial Institutions Examination Council ( FFIEC ) and contradicts consumer protections under GLBA ( 15 U.S. Code 6801 ).

Refusing reimbursement without proving customer authorization Regulation E places the burden of proof on the financial institution to demonstrate that the transactions were authorized. No such evidence ( IP logs, device data, physical verification ) has been provided.

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 monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I don't know how I owe I don't remember putting nothing in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Chrysalis Holdings LLC
State: OH

Complaint narrative:
In the last several months I have spoken to many people from XXXX XXXX XXXX day to request them, not call me unless they can improve my interest rate by XXXX full points. They continue to call me and ask me many times a week, all hours of the day. At many levels, I've even had a Vice President. Of operations call me and he said well. There was nothing in the file. That requested that you requested not to be called. On Tuesday XX/XX/year> I called new day. XXXX and requested that they do not contact me at all for any reason by telephone .. After that, on XXXX XXXX XXXX went to their website and requested that they not call me nor send any advertisements to my personal address. I truly believe the USA they does not care about the consumer nor the loans that they do for veterans at any Le. Person that they have for the face of the company. The Admiral has no real power in the company. He's just a face.You 're purely profit driven and does not care. 
About the customer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
I recently opened a checking account with Capital One, which they immediately restricted without explanation. I believe this is based on past adverse action they took against my accounts by being merely associated ( i.e. getting transfers from ) someone in my household that was receiving transfers from a crypto exchange ( Coinbase ) where they called to harass him about these transfers without any evidence of actual wrongdoing. This present action ( which also includes a credit card that I just opened ), that past action and the action they took against me as a complete non-actor is now in violation of the " Fair Banking '' executive order signed by President Trump to stop these politically motivated actions including remedying past ones. Capital One 's biased targeting of a completely innocent person as myself and by extension my household who was portrayed as a criminal for completely legitimate actions needs to stop and be remedied. Otherwise, this will be further pursued through federal and state agencies. This is malicious and discriminatory weaponization of the banking system and Capital One needs to pay a price for participating in it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Complaint Against Portfolio RC Account # XXXX To Whom It May Concern, I am disputing the accuracy and validity of the account listed as Portfolio RC Account # XXXX. I deny owing this debt and I refuse to pay it. 

Under the standard set forth in XXXX XXXX XXXX, verification requires a certification or attestation of the facts proving that the debt is actually owed. To this date, I have received no such notice or verification from Portfolio RC that would establish the validity of this account. Without proper certification, your continued reporting is unlawful. 

Furthermore, I am placing you on notice that you have 14 days from receipt of this complaint to remove this account from all of my credit files. If you fail to do so, I will pursue all available legal remedies. 

Please also be advised that XXXXXXXX XXXX internal policies and procedures do not override federal law, and Portfolio RC, as a non-affiliated third party, has no legal right to access or report any information about my private financial contracts or personal financial data. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: IDT Telecom, Inc
State: MA

Complaint narrative:
On XX/XX/year> I sent money from XXXX using a service called XXXX XXXX XXXX. The money totalling to {$210.00} USD was meant to go to XXXX as a direct deposit to a bank account ( account number withheld ). The transaction number is XXXX. After a day, the money was never sent. Seeing as it was taking long I contacted XXXX XXXX and requested they cancel the transaction since they did not send it, and I asked for a refund. They outright refused to refund my money, despite having cancelled the transaction. I have tried every thing possible to ask for the refund and they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Complaint Against Equifax , Inc I am filing a complaint against Equifax XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ). The account listed as XXXX Account XXXX XXXX is inaccurate. I do not owe this alleged debt and I have no legal obligation to pay it. 

Additionally, the credit bureaus are required under the FCRA to provide consumers with proper written disclosures, including the right to opt out of reporting on a recurring basis. Specifically, disclosures must be provided every 30 days when information is being furnished and maintained. At no time have I received such disclosures from either Equifax , Inc . 

Because the account is inaccurate, unverifiable, and reported without required consumer disclosures, Equifax , Inc are in direct violation of the FCRA. I demand that this account be removed from my credit report immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
On XXXX XXXX i was contacted by a " loan agent '' that was helping me get a loan. He sent me documents that looked legit to fill my information on. I clicked the link and it pre filled all my information. When the email was sent the " agent XXXX XXXX '' proceeded to tell me he is with XXXX loans. He had told he sent money which was about XXXX and had to do a XXXX wire transfer. From then he did not send the loan and said we'll do it tomorrow. So then XX/XX/XXXX, he then again had me so the same transaction of withdrawing XXXX from my bank account telling me it was prosper loans who sent the money. I took the money out and he had me do another wire transaction using the cash. XXXX only let me send 2000, so I asked why he then asked the rest can be sent thriugh a gift card. Once the information was sent, the scammer hung up and never answered or called back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally demand the correction of inaccurate personal identification information on my credit file.This is a formal request for a manual review of my file to ensure this critical error is resolved and does not get processed through an automated system without human intervention. 

Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I demand that you investigate and correct the following error : PLEASE SEE ATTACHMENTS BELOW!!!

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 2025-09-06 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: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
b'Destiny MasterCard XXXX XXXX XXXX XXXX was updated and requested a new card. I did not receive it. There was another card issued but did not receive it. The card Destiny MasterCard issued was card number ending in XXXX. The last four digits of this card was on the voice recorder for XXXX The Destiny MasterCard explained above.  I did not any use with this card number XXXX  Please correct this.'

Company response to consumer: Closed with explanation