vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: GA

Complaint narrative:
1. What happened?

I submitted multiple disputes to XXXX Experian / Equifax XXXX TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply.

Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency
appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted.

I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case.

2. What do you believe is the issue?

Credit reporting company failed to investigate a dispute Continued
reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: CO

Complaint narrative:
I received a ltr from XXXX XXXX XXXX stating they are a debt collector trying to collect a debt they say owed to Velocity Investments LLC. They say in regard to a loan from XXXX XXXX in the amt of {$9500.00}. I don't have a loan with XXXX XXXX. I've never even heard of neither company. They sent me a letter to attempt to collect on a debt dated XXXX XXXX. XXXX stated to write or call by XXXX XXXX to dispute all or part of debt. I am writing in today XX/XX/year>, to dispute all of the debt. 

Thank you The letter header read : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: IL

Complaint narrative:
Cash App is the app i used to try and buy a phone from XXXX XXXX XXXX of XXXX. Multiple times i tried to buy one online and the transactions were put on hold. Totaling {$3000.00}. They never returned my funds to my account. They sent me a fake bamk statement, that yoi can clearly see isnt real. I had already screenshotted the real one. The FDIC filed a claim for me for the class action suit that cash app denied. Also they stole my bitcoin both worth {$64000.00}. They havnt returned any of my money. This has caused me to lose my car, my home, and my job. All the while i had XXXX XXXX and cant get to my appointments. They have semt my life into a dowmward spiral. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc.
State: LA

Complaint narrative:
Before XX/XX/year> refer to the related complaint XXXX I never gave sentry credit inc any consent to contact me or anyone else in connection with this alleged debt. I never did business with sentry credit inc nor did I consent to them acquiring any of my personal information including my name, address, social, or telephone number for any monetary gain. I do not have a contract with sentry credit inc that includes my signature and they can not provide a ledge or financial statement showing any transactions between us. I am requesting that sentry credit inc cease all communication with me through all mediums including but not limited to phone calls, text messages, postage, email, or my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: IN

Complaint narrative:
Consumer Rebuttal Complaint # XXXX XXXX XXXX XXXX XX/XX/2025 Dear CFPB, I am respectfully requesting that your office conduct a deeper investigation into Bridgecrests handling of my account, as several important questions have been ignored and key facts remain unanswered.

1. How did the towing company gain access or authorization to sell my vehicle without my permission?

2. Who at Bridgecrest authorized the sale of the vehicle by the tow yard?

I was in active communication with the towing company and was in the process of gathering funds to recover the vehicle. Meanwhile, the vehicle was sold without any notice to me.

3. Why has Bridgecrest never provided me with any documentation or report regarding : The repossession process The sale of the vehicle Any breakdown of proceeds or official transaction records 4. Why was I never notified or informed about the repossession or sale?

Bridgecrest has my phone number, email, and mailing address. There is no justifiable reason why I was not contacted at any point.

5. Bridgecrest appears to have used the insurance denial as an excuse to completely abandon transparency and act without accountability. Rather than working with me, they deliberately withheld information and treated the vehicle as if it had been abandonedwhen in fact, I was still in contact with the towing company and the bank.

6. Every time I called Bridgecrest to inquire, they misled me, claiming they didnt know whether the vehicle was sold or not. It wasnt until XX/XX/2025 that they admitted the vehicle had been sold back in XXXX XXXX XXXX XXXX  earlier. This is a serious lack of transparency. 

I have asked Bridgecrest multiple times for documents, explanations, and proof of sale or repossessionbut they have refused every time. This raises serious concerns about fraudulent practices, consumer deception, and possibly illegal conduct.

I respectfully ask that the CFPB fully investigate Bridgecrests actions, including whether they violated repossession notification laws and consumer rights regarding vehicle disposition and credit reporting. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am writing to file a complaint about an inaccurate account that is being reported on my credit report. I have already contacted the company reporting this debt, but instead of addressing my concerns, they have continued to harass me. I have made multiple attempts to resolve this directly with them without success. 

I believe this account is fraudulent and not mine. I have already submitted an identity theft report to the FTC to document the situation, and I have evidence of that report. Despite this, the company refuses to remove the inaccurate information from my credit report. 

I am requesting your assistance in having this inaccurate and fraudulent information removed from my credit file. Please let me know if you need any supporting documentation, as I am prepared to provide my FTC report and any additional details. 

Thank you for your time and help in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I Have been disputing several fraudulent accounts with CRA Experian and nothing has been done. As a consumer I have the right to dispute accounts with inaccurate information. I have asked Experian to send proof if reinvestigation for the following accounts with no success. 

XXXX XXXX XXXX XXXX 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 2025-07-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I am filing a complaint regarding a Capital One Auto Finance auto loan account that was opened on XX/XX/XXXX and is now closed. 

In XX/XX/XXXX, my vehicle was repossessed, but I was told over the phone by a Capital One representative that if I paid the full payoff amount immediately, the repossession would not be reported to the credit bureaus. I paid the full payoff amount within 24 hours, and the account was closed. 

However, my credit report is now showing a repossession ( " R '' ) and charge-off ( " CO '' ), along with XXXX months of negative payment history, and a reported write-off amount of {$4800.00} despite my prompt action and the account being settled. 

I would like to formally state that : There is no signed document or written agreement that says the repossession or charge-off would still be reported to the credit bureaus even if I paid off the account. 

I acted in good faith based on Capital Ones verbal promise that the repossession would not affect my credit if I paid it off right away. 

The current reporting is misleading and does not reflect the circumstances under which I resolved the account. 

I am requesting the following : That Capital One Auto Finance provide written proof or documentation that a repossession occurred, including any signed contract or agreement that justifies this item being reported after full payoff. 

That Capital One provide a complete payment breakdown and an explanation of the reported {$4800.00} charged off, if the full payoff was made. 

That this negative remark ( repossession and charge-off ) be corrected or removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), as the current reporting appears to be inaccurate, unverifiable, and harmful to my credit standing. 

The presence of this repossession and charge-off has caused a significant drop in my credit score, which is unfair given the quick and full resolution of the account based on what I was told.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of id
entity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$620.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TX

Complaint narrative:
XXXX advertised a XXXX XXXX XXXX. I submitted documentation showing the property ( XXXX XXXX XXXX ) had a lower direct booking rate of $ XXXX or $ XXXX, confirmed by the propertys XXXX of XXXX. I followed XXXX instructions to request a price match before check-in and submitted documentation for each segment of my extended stay. 

Despite this, only one dispute was honored by Cash App. All other claimssubmitted with the same evidencewere denied without explanation. I followed up multiple times, submitted attachments, and clarified everything, but received vague denials and responses from multiple agents without any consistent resolution. This failure to apply uniform review standards and refusal to explain the discrepancy violates fair banking practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
previously filed a CFPB complaint against PayPal after paying a seller {$3500.00} through Goods & Services invoices for a horse that was never delivered. PayPal initially said these transactions were covered under Buyer Protection, but later denied the claim for conflicting reasons : first saying live animals are not covered, then saying it was a local pickup. Neither explanation is accurate. 

PayPal falsely stated that the seller confirmed the horse was delivered in person. This is provably false. 

I have written messages from the seller stating : They did not provide any proof of delivery to PayPal. 
The horse was never delivered. 
They are unable to refund me because their PayPal account is locked in a rolling reserve. 
They offered to trade a different horse to resolve it. 

Despite this, PayPal closed the claim citing pickup, which directly contradicts their own policy requiring valid tracking or proof of delivery. They never provided any actual documentation to support their denialjust the sellers unverified claim and a false justification. 

When I asked for specific policy language, PayPal refused to provide it. Their XX/XX/year> Buyer Protection terms do not exclude live animals from Goods & Services coverage. PayPal is now knowingly using false reasoning to deny protection, which I believe constitutes fraud and misrepresentation.

Why Im resubmitting I am resubmitting this complaint because : PayPal lied about the seller providing proof of delivery.

The sellers messages show this is untrue and that the horse was never delivered. 
PayPal gave me XXXX different and inconsistent justifications and can not back either with policy. 
They are violating their own published Purchase Protection policy.

This is no longer just a disputeit is a deceptive business practice. I am asking the CFPB to escalate this for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: TX

Complaint narrative:
I am reporting custodial theft of my cryptocurrency assets involving Crypto.com. 

Between XXXX and XXXX, my funds were staked, bridged, and transferred without my consent using spoofed identities tied to my name ( XXXX, XXXX ). 

Despite reporting this to Crypto.com, FCC, and FTC, no action was taken. I have discovered : - Smart contracts deployed from my hijacked wallet rerouted my staking rewards. 
- Bots and relays ( like XXXX and XXXX  ) took my mined tokens the moment they unlocked. 
- My phone and network were cloned. Two computers were destroyed. I now use only an XXXX for security. 
- Crypto.com systems allowed this activity even after multiple reports. 

I am attaching proof of contract-level fraud, impersonation, and identity hijack involving Crypto.coms infrastructure. I am requesting immediate regulatory investigation and restitution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
I am writing to formally dispute a collection account currently reflected on my credit report. This entry does not accurately reflect my payment history, nor does it align with the financial records I have retained. I have always made it a priority to meet my financial obligations responsibly, and this entry is inconsistent with my verified payment behavior.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : 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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation