vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 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:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XX/XX/year>, I sent TransUnion a dispute with a valid FTC Identity Theft Report ( Ref. # XXXX ), proof of identity, and a list of fraudulent accounts. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), TransUnion was required to block this information within 4 business days. They never did.

The fraudulent accounts I reported include : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these accounts were blocked within the required timeframe. This is a direct violation of 605B. I have no record of receiving any reinsertion notice, but that is irrelevant the accounts should have been blocked in the first place.

To date, TransUnion has not complied with the 4-day blocking requirement and has not provided any lawful reason for refusing to do so.

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 2025-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
CAPITAL ONE Authorized User Account Removal ( Closed, never late reporting harms utilization/AAoA and is inaccurate under FCRA 602A , 605B ) Subject : Formal CFPB Complaint Unauthorized/Incorrect Reporting of Authorized User Account To Whom It XXXX Concern, I am filing a complaint under the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate reporting of the Capital One account # XXXX on my credit reports. 
This account is an authorized user account, not my direct responsibility. 
Per FCRA 602A and 605B, consumer reporting agencies must ensure maximum possible accuracy and remove unverifiable or misleading data. 
The continued inclusion of this account negatively impacts my credit profile despite my lack of contractual obligation. 
Under FCRA 609 ( a ), furnishers are required to provide proof of responsibility for the debt. As an authorized user, there is no such proof because I am not legally obligated for payment.

Demand : Immediate removal of this account from all credit bureau reports to reflect accurate and fair reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
I have received my most current credit report for this year and I have found many irregularities. One with addresses that aren't mine and companies that I have not requested my credit to be pulled. 

Have Hard inquires from the following companies : Two from XXXX XXXX both dated XX/XX/year> - Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX I have called this agency and I am just shuffled around and not sent to someone who could help me One from REVVIXXXX  dated XX/XX/year>XXXX  - XXXX XXXX XXXX XXXX XXXX, SD XXXX I have called the agency and they say that they can not locate an inquiry with my details One from XXXX dated XX/XX/year>XXXX  - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, SD XXXX I have called the agency and they can't locate an inquiry under my name

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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 a victim of data breach. The accounts listed below were open fraudulently due to my information being exposed. I submitted my disputes to Experian, Transunion, and Equifax. The accounts were removed on XX/XX/year> and then added back to my credit card on XX/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 explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
Cash App cancelled my account with no specific explanation of the reason for cancelling and has never addressed my appeal of the cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: IL

Complaint narrative:
THERE ARE A NUMBER OF COMPANIES LISTED ON MY CREDIT REPORTED THAT ARE REPORTING INACCYRATE INFORMATION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
THERE ARE A NUMBER OF COMPANIES LISTED ON MY CREDIT REPORTED THAT ARE REPORTING INACCYRATE INFORMATION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am disputing inaccurate reporting by XXXXComenity Bank XXXX XXXX ) regarding a charged-off account on my XXXX  credit report dated XX/XX/XXXX. 

The account is being reported with inconsistent credit limit data that changes without explanation initially showing a {$300.00} limit in XX/XX/XXXX, then a {$150.00} limit thereafter. 
This discrepancy impacts my credit utilization calculation and overall credit score. Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to provide accurate and consistent information. 

Additionally, the account history is incomplete key details such as high balance and full payment history are missing. This violates the FCRAs requirement for complete and accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: NM

Complaint narrative:
15 U.S. Code 1666b - Timing of payments ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2025-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Dear Sir/Madam, My name is XXXX XXXX XXXX and I am a XXXX national residing in XXXX. I am contacting you to express serious concerns about organized criminal activity across multiple services and the inappropriate response of each company to it. 

This crime goes beyond simple fraud, and I am concerned about the response of XXXX law enforcement authorities, so I have decided to report this issue to you. 

Below is a summary of the facts I have discovered so far. 

XXXX. PayPal and Related Illegal Activities Unauthorized Sales Activities : My personal information and secretly filmed videos are being sold without my permission through PayPal 's payment system. I have reported this to PayPal, but the illegal sales activities are still ongoing. 

Improper Receipt of Funds : Criminals continue to fraudulently receive funds through PayPal. I have requested that PayPal transfer all previously received funds, as well as any currently pending payments, to my account, but this has not been done. 
Relationship with XXXXXXXX XXXX XXXX  : I confirm that attorneys XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  are listed as PayPal 's clients. I have communicated this information to PayPal, but no concrete action has been taken. 
XXXX. Account Compromise and Technical Interference Account Hijacking : My XXXX account, XXXX XXXX, and PayPal account have been compromised by perpetrators. This has resulted in unintended actions such as unauthorized XXXX channel subscriptions, unauthorized sale of personal information, and unauthorized transmission of tax information. 

Unauthorized Device Access : This criminal activity involves coordinated interference at the network level. My devices have shown evidence of remote code execution and unauthorized network control, which is suspected to be related to the XXXX vulnerability assessment. 

Interference with Information Provision : The perpetrators have repeatedly engaged in activities to interfere with information provision, such as registering inaccurate information in my whois information. 
This crime not only affects me, but also many other non-privileged users, and severely damages the credibility of multiple global platforms. 
I strongly urge your department to launch an investigation into this extremely complex and serious issue and to take appropriate measures against the companies involved, including PayPal. I ask for your cooperation in stopping this fraudulent activity and preventing further damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The debt dont belong to me the address is associated with the debt dont belong me

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 2025-08-10 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: MD

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Top Line Collectors LLC
State: NY

Complaint narrative:
Summary of Dispute and Basis for Removal Request : I am formally disputing the derogatory credit mark filed by TOP LINE REPORTING INC. on behalf of my former landlord. This entry is inaccurate, unsupported, and was made in bad faith. I vacated the apartment due to multiple, ongoing violations of New York housing law that rendered the unit legally uninhabitable, including severe flooding, security failures, and unauthorized entries. This qualifies as constructive eviction, which releases me from any further lease obligation.

Despite leaving the apartment in good conditionhaving it professionally cleaned and undergoing a walkthrough with maintenancethe landlord took retaliatory action by referring the matter to a third-party collector and submitting a derogatory credit report without ever substantiating the amount, offering an itemized breakdown, or honoring prior assurances of notice.

This conduct reflects negligent, malicious, and potentially unlawful practices designed to inflict reputational harm rather than resolve a legitimate debt. As such, I respectfully request that this tradeline be immediately deleted from my credit report under the Fair Credit Reporting Act ( FCRA ). Additionally, TOP LINE has an F on the BBB reference. Please kindly remove with haste.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The major of credit bureaus agencies have reported unauthorized fraudulent inquiries on my credit report please review review the attached dispute letter and FTC report for further information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
This complaint concerns the continued reporting of a collection account that is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide validation of the debt, proof of transfer or assignment, flow agreement, and bill of sale, as required under the Fair Debt Collection Practices Act and Fair Credit Reporting Act. 

I have disputed this account directly with the furnisher and the credit bureaus, provided supporting evidence, and allowed 30 days to respond. The collector failed to supply the requested documentation but continues reporting the account. 

I am requesting the immediate deletion of the collection tradeline from all credit reports and that all collection activity cease until full validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
This complaint concerns the continued reporting of a collection account that is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide validation of the debt, proof of transfer or assignment, flow agreement, and bill of sale, as required under the Fair Debt Collection Practices Act and Fair Credit Reporting Act. 

I have disputed this account directly with the furnisher and the credit bureaus, provided supporting evidence, and allowed 30 days to respond. The collector failed to supply the requested documentation but continues reporting the account. 

I am requesting the immediate deletion of the collection tradeline from all credit reports and that all collection activity cease until full validation is provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: KY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-08-11 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX and I am writing to formally dispute the inaccurate and unauthorized information currently listed on my credit report. According to 15 U.S.C. 1681b, I did not authorize the access, reporting, or sharing of my personal information with the entities listed below. This constitutes a violation of my consumer rights to privacy, as these companies have no lawful basis to report any information under my name. 

Furthermore, unauthorized inquiries appear on my credit report that I did not initiate. This may constitute identity theft. I do not owe any debt to these entities, and I am requesting the immediate removal of the unauthorized accounts and inquiries to correct the inaccuracies in my credit file.

Please investigate and resolve this matter promptly. I request written confirmation once the disputed entries have been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax XXXX breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within XXXX days as required by FCRA XXXX ( b ) ( XXXX U.S.C. XXXX ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX  XXXX BANK XXXX Credit Card XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Card XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief