vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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: OH

Complaint narrative:
I am disputing all addresses on my credit file that I am not associated with or have never had access to. Under Metro 2 standards, the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ), only my correct and verifiable address should appear on my credit report : XXXX XXXX XXXX, XXXX, OH XXXX Specifically, I am invoking my rights under the following FCRA provisions : 15 U.S. Code 1681i Requires a full reinvestigation of any information I dispute, including addresses, and correction or deletion of inaccuracies. 15 U.S. Code 1681e ( b ) Mandates that consumer reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information reported. 15 U.S. Code 1681c ( a ) ( 1 ) Prohibits reporting of information that is known to be inaccurate or can not be verified. All other addresses are inaccurate, misleading, and may result from identity theft or reporting errors. These inaccurate addresses must be removed immediately to ensure my credit file is complete, accurate, and compliant with federal law. I request a full reinvestigation of all reported addresses and the deletion of any that can not be verified as belonging to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, a hard credit inquiry from CAP ONE NA appeared on my XXXX credit report. I did not authorize or consent to this inquiry, nor did I apply for any Capital One credit product at that time. This inquiry was placed without my knowledge or approval and is damaging to my credit profile. 
I contacted XXXX and learned that inquiries can not be disputed directly online unless reported as identity theft, leaving me with no path to resolution. This is unfair and contrary to my rights under the Fair Credit Reporting Act ( FCRA ), which requires that any credit inquiry must be properly authorized and verified. 
I am requesting that Capital One and XXXX provide documented proof that I authorized this inquiry. If no signed application or consent can be produced, I demand that the inquiry be immediately removed from my credit file. 
Requested Resolution : Remove the unauthorized inquiry from my XXXX credit report. 
Ensure that Capital One and XXXX provide proper validation for any inquiry reported in my name in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
Received annual " Changes to Your Mortgage Interest & Payments '' letter. My adjustable rate mortgage is adjusted every XXXX & originally used the XXXX index. When that was no longer used, Fay Servicing started using " XXXX XXXX Website '' " FTSE USD IBOR CONSUMER CASH FALLBACK 12-MONTH '' in XXXX, supposedly published daily at the XXXX XXXX Website. This was accurate in XXXX. When I received my XXXX rate adjustment letter today, I again went to the same website but I was unable to find the corresponding data ( in XXXX there was a list of pdf links with various interest rate indices. 

I called Fay Servicing, my mortgage holder, for assistance. After wading through menus, & explaining the issue, the first customer service rep told me she couldn't help me. When I asked for a supervisor she told me none were available, when I repeated my request she hung up on me. ( XXXX minutes wasted ). 

I called Fay Servicing again. The second customer service rep made a valiant effort looking on the FTSE Website & located an area where the data should have been. The pdf had areas for the proper data but, viewing on my computer, showed only a series of letters & numbers, like some sort of code links, but No interest rate data. Refreshing didn't help. CS rep got frustrated with the time consuming search & hung up on me 34 minutes this time ). She did say that this was her first time searching for this data. 

It is imperative that mortgage companies provide reliable methods to obtain the published Mortgage Index Rate Data to their customers in a timely manner & provide their customer service reps with the training to provide this information to their customers. Accurate information about this issue has been a problem with other mortgage companies in the past, Fay Servicing should remedy this problem immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Bad client made payments between XX/XX/XXXX and XX/XX/XXXX. 

Poor-to-non-responsive and missed a deadline for additional hosting by several days. Cut ties and irrationally reported a middle payment ( XXXX ) from himself to me as fraud but did not bother to report any of the other/larger payments from himself to me as fraud. 

This results in XXXXXXXX XXXX suspending my account for approximately six weeks. I inundated them with documentation ( screenshot of the built website, the contract, the emails ) in spite of no one bothering to ask me. The few attempting to help reported that the criminal never answered the phone or returned their phone calls and that my account shouldn't have been restricted for so long. Eventually they lifted the restriction and did not remove the money I legitimately earned covered by my contract. That ONLY took two dozen phone calls.

However no one bothered to inform me that Zelle was still suspended. After a dozen phone calls it became clear that Zelle 's policy is to give absolutely no information other than an account has become restricted and to shove people to their banks. However the last manager I spoke with from XXXX XXXX said that the block was on Zelle 's end. 

Currently the most productive thing so far is that a Zelle rep said that I can create a new email address to setup another Zelle account. Why?! Why do I need to burn an email address and add yet another step in my day because Zelle is too lazy to resolve complaints! Now I have to setup a new email account and number them to track how many times Zelle has burned me when someone commits fraud AGAINST ME! XXXX XXXX  does NOT have an interface to allow me to remove the " token '' so I'm at the mercy of whoever answers the phone and their ability to interpret the relevant instructions, if any. 

The rep from XXXX says that it might take two weeks to remove the token they have for my checking account for Zelle. It's a record, that's it. It simply needs to be deleted so the association with my checking account is removed and XXXX can setup another email address with Zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX Re : Cease and Desist Account ( s ) Reported on My Credit Report To Whom It May Concern, This letter serves as formal notice that I demand you cease and desist all collection activity regarding the alleged accounts you are reporting under my name with balances of {$1000.00} ( Account * XXXX ) and {$710.00} ( Account * XXXX ), as listed on my credit report dated XX/XX/year>. 
Your reporting and collection attempts violate several consumer protection statutes : 1. Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting inaccurate or unverifiable information. You have failed to provide complete, verifiable documentation proving the accuracy of these accounts.

2. 15 U.S.C. 1681i ( 7 ) : I am entitled to a description of the procedure used to determine the accuracy of disputed information. Unless you provide verifiable proof of ownership and legal standing, you must immediately delete these entries.

3. UCC 9-611 & 9-613 : If you claim to be the legal assignee of this debt, you are required to provide authenticated notice of assignment, including the original creditor, the debtor, and the terms of transfer. To date, no such notification has been provided. Without this, you lack legal standing to collect or report this debt.

Accordingly, I demand that you : Cease and desist all collection efforts, phone calls, and correspondence with me, except as permitted by law.

Provide full validation of this debt, including contracts, assignment documents, and itemized statements proving ownership.

Immediately remove these accounts from my credit reports with all three credit bureaus if you can not provide proper documentation.

Failure to comply will be considered willful noncompliance under the FCRA and applicable state and federal laws. I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office, and pursue all legal remedies available.

This letter is written in good faith, but it is also a final warning. Govern yourself accordingly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
These unauthorized accounts should not be associated with me. I request their removal within 15 days in compliance with USC 1681g. Proof is attached.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made. 

I have reviewed my credit report and found inaccurate information. I request that you help me dispute these inaccurate information I have included in the letter I attach to this complaint. The letter contains my intention to investigate each items and how I would like them to conduct investigation and provide me proof how they look into these accounts in error listed on my credit report. I have also attached my credit report for your reference to investigate. I need them to delete and block these inaccurate accounts from reflecting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
I made a purchase at a local grocery store in the amount of {$1.00} on XX/XX/2025. I used my cash app debit card to cover the purchase. After I left that's when I noticed my balance was lower than what it was supposed to be. They had taken an extra {$54.00} off my card. went back to ask about the extra money that was missing and the cashier exclaimed that she didn't have anything to do with it and that I needed to call cash. Her manager told me that cash app was responsible for it and that it happened to her before. I then, contacted cash app where I was hung up by the first representative. I called back and was able to speak with a manager. The manager was able to verify my information and transactions. They emailed me a letter stating that it was the grocery store that was responsible for taking the money but my money would be refunded back on my card within 14 days. It has been 14 days and I still have not received my refund and I am unsuccessful with getting an agent on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: CBC Companies, Inc.
State: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I got {$2400.00} line of credit and have been repaying it monthly for 12 months .I Discovered that none of my payments was going towards the principal an d very little towards the interest. ( Example. {$470.00} of a {$540.00} payment went towards a customary fee. {$40.00} towards interest with little or nothing going to the principal. I hadn't taken any more money but the loan ikeeps increasing dramatically monthly. no matter what. This is definitely a debt trap.I am a XXXX veteran with 44 years in recovery and I l operate with honesty respect and morals I don't do business with people when I discover they are engaged in surreptitious and unscrupulous business practices because I was never informed nor told that the charged an exorbitant fee other than the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: Paypal Holdings, Inc
State: OK

Complaint narrative:
PayPal permanently deactivated my account and locked my funds of {$16000.00}. They are forcing me to wait 120 days before releasing my own money, which is unreasonable. I contacted customer support but was told I must wait. I am seeking immediate release of my funds or a reasonable timeline, along with a clear explanation for the deactivation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00} XXXX - Account Number : XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX - Account Number : XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$900.00} XXXXXXXX XXXX  - Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$830.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$740.00} XXXX FUNDING - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX - Account Number : XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company 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 2025-08-27 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 am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing the presence of a fraudulent account on my credit report. I have never had any association with this account, and its inclusion is entirely inaccurate. Its reporting is causing unwarranted harm to my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-27 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: PA

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief