vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXXXXXX XXXX XXXX Balance : {$150.00}

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 non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
I was given the chance for a federal grant if I paid a certain amount, that I would receive this grant money back free. They used the picture and XXXX account of a very trusted friend. 
I was explained the situation to cash app. They said that they only found fraud for {$92.00} of the {$2000.00} that I sent. I had sent a complaint to the CFCB on XX/XX/XXXX. Complaint # XXXX. After this organization was in touch with cash app, I received a payment of {$150.00}. This would be a total refund of {$240.00}. I was scammed for the amount of {$2000.00}. I do not understand why I am not being returned the full amount I was scammed out of. I would like the rest of the refund amount I feel that I am owed. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
b'On XXXX, I received a notice of intent to report a debt I do not owe from Ally Financial Inc. I sent a formal dispute and request for validation via Certified Mail (Tracking XXXX XXXX XXXX XXXX XXXX XXXX) on XXXX. The collector received it on XXXX, but has failed to provide validation or respond in any way. Despite this, they continue to threaten to report negative information to my credit profile, which violates my rights under the FDCPA'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: PA

Complaint narrative:
On XX/XX/year>, EQUIFAX received my formal identity theft blocking request submitted under the Fair Credit Reporting Act ( FCRA ) 605B. This submission was not a standard dispute under 611, but a formal demand for the blocking of fraudulent information resulting from identity theft. My package included all documentation required under 605B ( b ) : A copy of my government-issued ID Proof of current address ( bank statement ) A copy of my Social Security card A completed and signed FTC Identity Theft Report The fraudulent account identified in my credit report is : Original Creditor XXXX XXXX XXXX Account XXXX, opened on XXXX EQUIFAX confirmed receipt of my identity theft submission on XX/XX/year>, yet as of today ( well beyond 4 business days ), this fraudulent account remains on my credit report. This is a direct violation of FCRA 605B ( c ) ( 1 ) ( A ), which mandates that consumer reporting agencies must block all information resulting from identity theft within four business days after receiving proper documentation. Furthermore, EQUIFAX continued publication of information that it knows or should know to be false constitutes noncompliance with 623 ( a ) ( 1 ) ( A ), which prohibits furnishers or consumer reporting agencies from reporting information they know to be inaccurate. EQUIFAX failure to implement the required block also enabled continued data furnishing in violation of 623 ( a ) ( 5 ) ( A ), which requires furnishers to properly identify, suppress, and cease reporting accounts that have been confirmed as resulting from identity theft. By not fulfilling its blocking duty under 605B, EQUIFAX effectively allowed furnishers to continue transmitting fraudulent data undermining the legal protections Congress established to safeguard victims of identity theft. As a result, my credit report remains distorted, my credit score is artificially suppressed, and I continue to face unjust denials of credit and reputational harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
On XX/XX/year>, I received an email informing me that my PayPal account had been permanently limited due to a purported violation of their Acceptable Use Policy and User Agreement. I immediately attempted to resolve this through PayPals Resolution Center and by contacting customer service multiple times. Despite my efforts, I was not given any clear or specific information regarding what led to the limitation. Customer service said they could not find anything on my account to explain my situation. A PayPal representative confirmed they were unable to access the reason for restricting my account due to internal restrictions and ended the call abruptly.

After waiting the required 180 days in hopes of retrieving the remaining balance ( over {$300.00} ), I was informed on XX/XX/year>, that PayPal had seized the entire amount held in my account. This seizure was done without any detailed explanation, documentation, or proof of the restricted activities alleged. 
On XX/XX/year>, a " correction '' was made on my account, and {$140.00} was refunded to my account. No communication was sent to me, no explanation, no breakdown. I only found this out after I randomly opened the app one day. My account is still blocked, and I can't withdraw the " correction money '' that is currently in my account.

I believe this action is unjust, lacks due process, and may violate applicable consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Transunion is reporting XXXX XXXX XXXX as a collection on my Transunion credit report for {$290.00} claiming the original creditor as XXXX XXXXXXXX TX. I canceled my membership with XXXX XXXX TX XX/XX/XXXX. I canceled this membership in person at the location. The person that canceled my membership said I had a XXXX balance and gave me a letter showing my cancelation with a XXXX balance. I have contacted XXXX XXXX XXXX via phone explaining that this collection is not correct. They told me to email them I emailed them over three months ago with no response or resolution from them as of XX/XX/XXXX. I have written to them providing the letter I received from Crunch when I canceled my membership. I also requested the debt validation that they used to place this on my credit report over three months ago. I have not received a response to my usps mail or email to 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 non-monetary relief
Consumer complaint received 2025-12-21 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-21 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX  Account Name : Account Number : Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : Creditor Name : Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities.

I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 
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 2025-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-21 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: EQUIFAX, INC.
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 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: NJ

Complaint narrative:
XXXX Bank XX/XX/XXXX I reported inaccurate information on this account because I do not recognize it and have no knowledge of opening or authorizing it. This appears to be an error and must be investigated. XX/XX/XXXX I again requested a correction for the same inaccuracy, as the incorrect late reporting continued to appear on my credit report despite my prior dispute. To date, the company has not fully resolved this issue. XXXX XXXX XX/XX/XXXX I reported inaccurate information on this account because I do not recognize it and have no knowledge of opening or authorizing it. This appears to be an error and must be investigated. XXXX XXXX XX/XX/XXXX I reported inaccurate information on this account because I do not recognize it and have no knowledge of opening or authorizing it. This appears to be an error and must be investigated. XX/XX/XXXX I again reported inaccurate information on this account because the same issues remain unresolved on my credit report. XXXX XXXX XXXX XXXX XX/XX/XXXX I reported inaccurate information on this account because I do not recognize it and have no knowledge of opening or authorizing it. This appears to be an error and must be investigated. XX/XX/XXXX I again reported inaccurate information, as the account continues to show errors on my credit file. XXXX XXXX XXXX XX/XX/XXXX I reported inaccurate information on this account because I do not recognize it and have no knowledge of opening or authorizing it. This appears to be an error and must be investigated. FCRA 623 and USC 1681s-2 against Experian, TransUnion and Equifax that continues to report a charged-off account despite a 1099-C cancellation of debt being issued.

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 2025-12-21 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: NJ

Complaint narrative:
XXXX Bank XX/XX/XXXX I reported inaccurate information on this account because I do not recognize it and have no knowledge of opening or authorizing it. This appears to be an error and must be investigated. XX/XX/XXXX I again requested a correction for the same inaccuracy, as the incorrect late reporting continued to appear on my credit report despite my prior dispute. To date, the company has not fully resolved this issue. XXXX XXXX XX/XX/XXXX I reported inaccurate information on this account because I do not recognize it and have no knowledge of opening or authorizing it. This appears to be an error and must be investigated. XXXX XXXX XX/XX/XXXX I reported inaccurate information on this account because I do not recognize it and have no knowledge of opening or authorizing it. This appears to be an error and must be investigated. XX/XX/XXXX I again reported inaccurate information on this account because the same issues remain unresolved on my credit report. XXXX XXXX XXXX XXXX XX/XX/XXXX I reported inaccurate information on this account because I do not recognize it and have no knowledge of opening or authorizing it. This appears to be an error and must be investigated. XX/XX/XXXX I again reported inaccurate information, as the account continues to show errors on my credit file. XXXX XXXX XXXX XX/XX/XXXX I reported inaccurate information on this account because I do not recognize it and have no knowledge of opening or authorizing it. This appears to be an error and must be investigated. FCRA 623 and USC 1681s-2 against Experian, TransUnion and Equifax that continues to report a charged-off account despite a 1099-C cancellation of debt being issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX - XXXX INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: OR

Complaint narrative:
I ended my XXXX services in XX/XX/year>. They sent me a bill after cancellation with no information about what its for, and they deleted my account so I could not login to get info. I just got an email from a debt collector saying the {$25.00} bill has been sent to collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Re Capital One Credit Card Account Account Number XXXX I am disputing the accuracy of the Capital One credit card account referenced above and am requesting correction, not deletion.

This account is reported as Open ; however, the payment history reflects 30, 60, 90, and 120 days past due from late XXXX. An open account can not be reported as current while simultaneously showing severe delinquencies. If the account is currently past due, the present delinquency must be reported accurately. If the account is current, the past due indicators must be limited to the historical months in which they occurred and not carried forward. 

Additionally, the remark stating the account is scheduled to return to a positive status by XX/XX/year> is misleading and contradicts the account being reported as open. This remark should be removed. 

The tradeline also lacks recent payment activity despite listing a monthly payment amount, making the reporting incomplete and inaccurate. 

Please conduct a reasonable investigation and correct the account status, payment history, and remarks to reflect maximum possible accuracy under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation