vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
Ive tried to reach them by mail and over the phone a few times, once on XX/XX/year> and again XX/XX/year> about information not being reported accurately across all 3 of the credit bureau and also been collected by another collation agency

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am disputing the following accounts reported by Affirm Inc ( Account numbers ending in XXXX, XXXX, XXXX, and XXXX  ). I do not recognize these accounts and have never opened or authorized any credit agreements with Affirm Inc under these numbers. 

I request immediate validation of each account, including signed agreements and detailed transaction histories. If Affirm Inc can not provide proper verification, I request that these accounts be permanently removed from my credit reports in compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year> ; I attempted to make a payment on my Capital One card. However, when I signed to do so, I found out the account had been charged off. I was never contacted nor I was given an opportunity to make arrangements. It should be noted that I received a correspondence on XX/XX/XXXX which I didn't until the XXXX. I never received any phone calls from this company or when given prior warning that action was going to occur. Due increase in cost living cost as well as my remaining the same for the last XXXX years paying both cards has become difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: National Consumer Telecom & Utilities Exchange, Inc.
State: NJ

Complaint narrative:
Several accounts listed on my report are inconsistent, unverifiable, or completely erroneous. These include incorrect balances, missing payment histories, and information sourced from third-party data providers instead of directly from the original creditors. XXXX such example is the XXXX account, which has been erroneously placed under my name. 

Additionally, an account was placed under my name erroneously. Since then, you have damaged my name and my credit. Your company has entered derogatory information into my credit file. I am requesting the account to be deleted from your company records and the XXXX major credit bureaus under the provisions of 15 USC 1681i of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/year>, I deposited XXXX {$500.00} money orders ( totaling {$3000.00} ) in person at a Bank of America XXXX. The teller informed me that the funds would be available the next business day. However, I later received a notification from Bank of America stating that the funds would not be available until XX/XX/year>. This hold of approximately XXXX business days contradicts the tellers assurance and, to my understanding, violates Regulation CC, which requires next-day availability for postal money orders or similar guaranteed instruments when deposited in person. 

The total deposit amount is below the {$5500.00} threshold for large-deposit holds, and I was not informed of any specific issues, such as fraud concerns or account problems, that would justify an extended hold. The unexpected delay is causing financial hardship, as I rely on these funds for essential expenses.

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 2025-07-31 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: TX

Complaint narrative:
I have been dealing with Identity Theft for several years. The 3 credit bureaus removed a few of the fraudulent accounts a few years ago. In XXXX of XXXX  I noticed a few new fraudulent accounts. Even though I had an extended fraud alert on all 3 reports. I disputed the new fraudulent accounts they responded in 2 or 2 days stating they were verified and would not remove them. They also added the old fraudulent accounts back to my reports. Showing them as open and late. Some of these were closed as far back as XXXX. I have provided FTC reports and all documents to prove my identity to EXPERIAN, EQUIFAX AND TRANSUNION. I also filed complaints with CFPB. Most of these accounts never had any payments made to them. I also sent each company or collection agency the FTC reports and necessary documents. One account out of 8 has been deleted. The other 7 remain on my reports. Most showing open and late. This has destroyed my credit worthiness and cost me financial hardships. I would like a block of all fraudulent accounts that I am providing an FTC report to be removed and/or blocked. Please block all information resulting from identity theft pursuant to section 605B OF THE FAIR CREDIT REPORTING ACT.

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 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Halsted Financial Services, LLC.
State: WV

Complaint narrative:
I am filing a complaint regarding a communication sent to me by Halsted Financial Services on XX/XX/XXXX. The message was addressed to my mother but was sent to me, and it disclosed personal and account-specific information regarding a debt allegedly owed to XXXX XXXXXXXX XXXX XXXX XXXX 

The message referenced a payment made on XX/XX/XXXX in the amount of {$54.00} and included a link to view payment options. It also mentioned that there was limited time to act before the account would be returned to the original creditor. 

I am not the account holder, and this debt does not belong to me. I have not authorized Halsted Financial Services to discuss or share my mothers account information with me. This appears to be a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically regarding the disclosure of debt information to third parties without consent. 

I request that the Consumer Financial Protection Bureau investigate this matter, and that Halsted Financial Services be held accountable for improperly sharing private financial information with an unauthorized individual. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report FTC REPORT NUMBER:XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me.

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 
Please remove the following fraudulent accounts from my credit report : INQUIERES XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX Sincerely,

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 2025-07-31 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:
I have never authorized these accounts. This is due to identity theft. 
XXXX XXXX XXXX Last reported XX/XX/year> {$500.00} Open balance XXXX  XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/year> {$640.00} Open balance XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX Last reported XX/XX/year> {$660.00} Open balance XXXX XXXX XXXX XXXX Original creditor

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 2025-07-31 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc.
State: GA

Complaint narrative:
Hello I have already made a complaint against cash app.but today my XXXX mother sent me XXXX dollars on my cash app which she didnt know I wasnt unable to use my account for over 3 weeks because they have frozen my account.i am unable to spend the money due to my account being frozen now I have XXXX dollars on my cash app account that I really need to pay my bills with and still cash app will not resolve this issue.now Im believing this is becoming a XXXX issue with me.i just need my account unfrozen so I can get my money off my card to my pay my bills

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXXXXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXXXXXX acct # XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXXXXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX DISMISSED reference # 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 2025-07-31 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: FL

Complaint narrative:
I am formally submitting a follow up complaint regarding inaccurate and unauthorized items listed on my credit report. To date, I have not received adequate validation of the alleged debt, and I have reason to believe that the reported amount is incorrect. I am requesting a thorough investigation, and if the debt can not be verified with complete documentation and proof of ownership, I respectfully ask that it be removed from my credit fileXXXX 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/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
I am formally submitting a follow up complaint regarding inaccurate and unauthorized items listed on my credit report. To date, I have not received adequate validation of the alleged debt, and I have reason to believe that the reported amount is incorrect. I am requesting a thorough investigation, and if the debt can not be verified with complete documentation and proof of ownership, I respectfully ask that it be removed from my credit fileXXXX 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/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 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

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 2025-07-31 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperianXXXX XXXX XXXX XXXX XXXX URGENT Dispute of Reinserted and Inaccurate Account XXXX XXXX XXXX XXXXDear Experian,\n\nI am writing to dispute a reinserted and inaccurately reported item that has recently reappeared on my credit report without proper notification, which is a direct violation of the Fair Credit Reporting Act (FCRA), Section 611(a)(5)(B).\n\nThe account in question is:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX past due as of XXXX XXXX  Issues Identified:\n\t1.\t Reinsertion Without Required Notice\nThis account had previously been removed or suppressed and has now reappeared on my credit report. Under FCRA Section 611(a)(5)(B), the credit bureau is required to provide written notice within 5 business days of reinsertion. I received no such notice.\n\t2.\t Inaccurate and Misleading Payment History\nThe reporting reflects XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX despite the account showing as charged off in XXXX XXXX Continuing to report charge-off statuses after the charge-off date is inaccurate and misleading, which may be considered re-aging.\n\t3.\t No Record of Payment Activity\nThe payment and balance history show XXXX paid every month, yet the balance has not changed and no explanation is provided about any payments, collections, or actual charge-off activity.\n\n Requested Actions:\n\t1.\tConduct a full reinvestigation of this account as required under the FCRA.\n\t2.\tProvide the method of verification used, including the name and contact information of the furnisher XXXX XXXX\tExplain the date and reason for reinsertion and why no notice was sent to me as required by law.\n\t4.\tDelete or correct the account to reflect accurate charge-off activity and stop reporting post-charge-off statuses.\n\t5.\tIf the account cannot be verified in full compliance with the FCRA, please remove it entirely from my credit report.\n\nPlease respond to this dispute within the 30-day timeframe outlined by federal law. A failure to respond appropriately or to correct this inaccurate reporting may result in formal complaints to the Consumer Financial Protection Bureau (CFPB) and legal action for FCRA violations.\n\nThank you for your attention to this urgent matter.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 2025-07-31 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: WA

Complaint narrative:
I disputed a XXXX XXXX XXXX collection account with TransUnion on XX/XX/year>. They verified it, but both XXXX  and XXXX  have since deleted this same account. This creates a reporting inconsistency and violates the Fair Credit Reporting Acts requirement for accuracy and completeness. I am requesting TransUnion remove the XXXX account from my report to reflect consistent and verifiable information across all credit bureaus.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My personal and financial data was compromised as a result of a data breach. I request removal of the incorrect names, addresses and unauthorized inquiries and accounts which have been closed and placed in collections.

GRAMM LEACH BLILEY 15 us code 6802 has been violated I have filed an FTC REPORT attached below I have hired legal counsel for this matter My identity was not thoroughly verified which put me at risk. Per the FCRA this is a violation of 15 usc 1681

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