vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: NJ

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 account XX/XX/6806XXXX 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 2025-12-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridge IT, Inc.
State: OH

Complaint narrative:
I enrolled with Brigit to use their credit builder program and had always paid on time. Recently, I was suddenly logged out of my Brigit account and could no longer access it. When I attempted to log back in, the system said no account existed under my email or personal information.

I contacted Brigit support multiple times. They repeatedly told me that they could not locate any account under my name, email, phone number, or identifying information. I provided every document and verification they requested, but Brigit still claimed they had no account for me and could not restore my access.

Because Brigit stated they could not find my account, I contacted XXXX  XXXX XXXX to stop the autopay, since I had no way to view, manage, or pay the account through Brigit.

Despite Brigit telling me they had no account under my information, they reported a delinquency/late payment to the credit bureaus. This caused an immediate XXXX-point drop to my credit score.

This reporting is inaccurate, not verifiable, and violates the FCRA. A company can not legally report a delinquency on an account that they themselves stated does not exist in their system. I do not owe Brigit any money, and there was no active account available for me to make payments on.

I am requesting that the CFPB require Brigit to : Remove the delinquency and any negative marks from all three credit bureaus Correct my credit file to reflect accurate information Confirm removal in writing I am attaching my email conversations with Brigit where they state they can not find my account, along with screenshots of the login issue and the corresponding drop in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC SSN : XXXX DOB : XX/XX/XXXX Re : Fraudulent Credit Inquiries Request for Immediate Removal Subject : Identity Theft Due to Data Breach To Whom It May Concern, My name is XXXX XXXX XXXX and I am writing to dispute several fraudulent credit inquiries that appear on my credit report. I am a victim of identity theft resulting from a data breach, and these inquiries were not authorized by me in any way. 

Please conduct an investigation and remove the following fraudulent inquiries from my credit file : Fraudulent Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX These inquiries were not made by me and were not authorized. Under the Fair Credit Reporting Act ( FCRA ), I request : 1. Removal of all fraudulent inquiries listed above 2. A corrected copy of my credit report 3. Notification of the results of your investigation Attached are any documents supporting my identity theft claim ( if you have an FTC report, police report, or ID theft affidavitinclude it here ). 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC SSN : XXXX DOB : XX/XX/XXXX Re : Fraudulent Credit Inquiries Request for Immediate Removal Subject : Identity Theft Due to Data Breach To Whom It May Concern, My name is XXXX XXXX XXXX and I am writing to dispute several fraudulent credit inquiries that appear on my credit report. I am a victim of identity theft resulting from a data breach, and these inquiries were not authorized by me in any way. 

Please conduct an investigation and remove the following fraudulent inquiries from my credit file : Fraudulent Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX These inquiries were not made by me and were not authorized. Under the Fair Credit Reporting Act ( FCRA ), I request : 1. Removal of all fraudulent inquiries listed above 2. A corrected copy of my credit report 3. Notification of the results of your investigation Attached are any documents supporting my identity theft claim ( if you have an FTC report, police report, or ID theft affidavitinclude it here ). 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: Block, Inc.
State: NC

Complaint narrative:
I had a trucking company where I received a predatory loan for a lender. There was a lapse in payment, but this loan was not personally guaranteed. Cash App aka Square Inc aka Block Inc put a hold on my personal cash app account around XX/XX/XXXX. Their explanation was they received a UCC lien notice from a recovery company that the lender hired. I never received a court order or was served with any kind of notice. I reached out to Cash App aka Square Inc aka Block Inc again on XX/XX/XXXX only for them to reiterate that theres a hold due to a UCC lien notice and they cant release the hold without a release agreement. I have {$160.00} in this account that Ive been unable to access for years. This alleged UCC lien did not effect any one of my other financial institutions which makes it even more obvious that its a fraud. Again, I was never served with any court order and this personal cash app account has never been utilized for business transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I applied for the XXXX XXXX on XX/XX/XXXX, and got the card around XXXX. I tried using it a few days later and found out it was restricted. I was told I had to send proof of income using statements and so I sent screenshots not understanding what it meant. I was then told how to send the actual statements later, and after doing so, I've now been told they couldn't verify it because of a problem with the documents, and therefore my card is permanently restricted. I was then told I could apply for another card but I don't want to tank my credit score. I don't understand how my card company that has the access to my statements needs me to send them said statements, it makes no sense. And the worst part is I really needed that card to help with rent and expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: DE

Complaint narrative:
With respect to those it this matter concerns, Upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are negatively impacted. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all negative and critical accounts. 
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 XXXXXXXX Under 15 USC 1666b, a creditor can not legally report a payment as late if they have not ensured that the periodic statement, containing the required information under section 1637 ( b ), was mailed or delivered to the consumer at least 21 days before the due date. Since the creditor failed to meet this obligation, I request that you update the late payments on my account to reflect positive, on-time payments. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You are aware that reporting any information that can not be independently verified is illegal. I need you to give me hard proof that I am responsible for those accounts in line with 15 USC 1692g.

You are also in violation of 15 USC 1681b because I have never given you or any of these companies formal permission to disclose any information on my credit report. This unjust and unfair treatment has caused me XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2025-12-04 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: DE

Complaint narrative:
With respect to those it this matter concerns, Upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are negatively impacted. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all negative and critical accounts. 
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 XXXXXXXX Under 15 USC 1666b, a creditor can not legally report a payment as late if they have not ensured that the periodic statement, containing the required information under section 1637 ( b ), was mailed or delivered to the consumer at least 21 days before the due date. Since the creditor failed to meet this obligation, I request that you update the late payments on my account to reflect positive, on-time payments. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You are aware that reporting any information that can not be independently verified is illegal. I need you to give me hard proof that I am responsible for those accounts in line with 15 USC 1692g.

You are also in violation of 15 USC 1681b because I have never given you or any of these companies formal permission to disclose any information on my credit report. This unjust and unfair treatment has caused me XXXX XXXX and 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 2025-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Village Capital & Investment LLC
State: PA

Complaint narrative:
The lender is Village Capital ; we attempted paying our XXXX payment today on XX/XX/XXXX and they are refusing to accept payment over the phone. Village Capital is stating that it is a partial payment since they are calculation the XXXX payment as well for a grand total of {$5700.00}. The regular monthly payment being {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I initially filed a dispute with my credit card for at purchase from XXXX XXXX. I found hair in my food and XXXX XXXX  wouldnt refund me the money which is why i reached out to my credit card company ( capital one ). After about a month my credit card company found me at fault even after I gave them photo evidence and written statements that they requested. They are ignoring hard evidence and not doing their jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
on XX/XX/XXXX I was charged XXXX $ noticed on the XXXX immediately called and they gave me a reversal then on the XX/XX/XXXX noticed again another XXXX $ reversal as a charge so called again then they said their claims department deemed it as valid due to it being in close proximity to where I live ( XXXX ) problem is it was not me. check atm cameras or something because it was not me. I did not use an ATM to withdraw money and they don't seem to have any help so here we are.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
I paid off for my 2 mortgages with XXXX XXXX XXXX and they still charging me for the mortgage and line of credit I paid off for! I have proof the 2 mortgages on my home is paid in full and they still reporting to the Credit Bureau that I still owe them that loan that was Satisfied and they file foreclosure on my property that I paid in full and have the deed and mortgages are paid and satisfied!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
I paid off for my 2 mortgages with XXXX XXXX  XXXX and they still charging me for the mortgage and line of credit I paid off for! I have proof the 2 mortgages on my home is paid in full and they still reporting to the Credit Bureau that I still owe them that loan that was Satisfied and they file foreclosure on my property that I paid in full and have the deed and mortgages are paid and satisfied!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
I paid off for my 2 mortgages with XXXX  XXXX XXXX and they still charging me for the mortgage and line of credit I paid off for! I have proof the 2 mortgages on my home is paid in full and they still reporting to the Credit Bureau that I still owe them that loan that was Satisfied and they file foreclosure on my property that I paid in full and have the deed and mortgages are paid and satisfied!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: AL

Complaint narrative:
It has come to my attention that my personal information was exposed in a national data breach. While reviewing my credit reports, I noticed several accounts that I do not recognize. I have requested debt validation from the credit reporting agencies, but the requested information has not been provided. 
Because my information was compromised, I filed a complaint with the FTC regarding the accounts I am not familiar with. 
Attached are copies of my identification, the FTC complaint, the XXXX report showing that my information was exposed in a national database, and a debt validation letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: AL

Complaint narrative:
It has come to my attention that my personal information was exposed in a national data breach. While reviewing my credit reports, I noticed several accounts that I do not recognize. I have requested debt validation from the credit reporting agencies, but the requested information has not been provided. 
Because my information was compromised, I filed a complaint with the FTC regarding the accounts I am not familiar with. 
Attached are copies of my identification, the FTC complaint, the XXXX report showing that my information was exposed in a national database, and a debt validation letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: MI

Complaint narrative:
I am disputing several medical collections that are being reported by XXXX XXXX XXXX and XXXX XXXX XXXX. These accounts are inaccurate and incomplete, and they contain protected medical information that should not be on my credit report without proper validation.

The collection agencies have not provided an itemized bill, proof of insurance billing or adjustments, signed HIPAA authorization, provider name, date of service, diagnosis/CPT codes , or proof that I was notified before these debts were reported. I requested this information and it was not provided.

Because the debts can not be validated and the required medical documentation has not been supplied, these accounts violate FCRA 602, 607 and HIPAA privacy requirements. Unverifiable medical debts must be removed.

I am requesting deletion of the following accounts from all credit bureaus : XXXX XXXX XXXX {$1300.00} ( Opened XX/XX/XXXX ) XXXX XXXX XXXX {$1300.00} ( Opened XX/XX/XXXX ) XXXX XXXX XXXX {$150.00} ( Opened XX/XX/XXXX ) Please investigate and remove these accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: DE

Complaint narrative:
With respect to those it this matter concerns, Upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are negatively impacted. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all negative and critical accounts. 
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 XXXXXXXX Under 15 USC 1666b, a creditor can not legally report a payment as late if they have not ensured that the periodic statement, containing the required information under section 1637 ( b ), was mailed or delivered to the consumer at least 21 days before the due date. Since the creditor failed to meet this obligation, I request that you update the late payments on my account to reflect positive, on-time payments. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You are aware that reporting any information that can not be independently verified is illegal. I need you to give me hard proof that I am responsible for those accounts in line with 15 USC 1692g.

You are also in violation of 15 USC 1681b because I have never given you or any of these companies formal permission to disclose any information on my credit report. This unjust and unfair treatment has caused me XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation