vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 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: 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 reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
XX/XX/year> setup account & deposited funds Since this date have contacted customer service repeatedly for assistance. 
Each time goes thru same process -verify myself -delay in withdrawing and transferring money - 24 or 48 hours - when accessing again - goes thru same steps They have my funds and will not allow me to withdraw and close account and will not allow transfers funds to a wallet for purchases. 

latest email XX/XX/year> XXXX XXXX XXXX, We have completed your account review, and your withdraw /send Coinbase account services remain disabled at this time. You will still be able to Buy/sell/receive /deposit any XXXX  you currently have on Coinbase As a trusted XXXX  XXXX, we take a number of steps to keep all accounts safe, and we regularly monitor customer accounts to ensure compliance with our terms of service. For security reasons, we're not able to provide you with any additional information at this time. If you need support with the enabled services on your account, please reach out to Coinbase Support Kind regards, The Coinbase Team

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Amex withdrew a credit card application there after months later reported to credit cards bureaus I had an opened a new account with Amex for months than closed it That is incorrect that dropped my credit score but more so I now have a credit card listed on my account for over XXXX year that I knew took ownership of that Amex rescinded the application due to there own internal error

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: TX

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recuvery LLC
State: FL

Complaint narrative:
Complaint to the Consumer Financial Protection Bureau ( CFPB ) Category : Debt Collection Attempting to collect a debt not owned by the consumer I am submitting this complaint because a law firm and attorneyMichael XXXX XXXX, through Ironclad Law and/or XXXX Advising PLLChave reported a debt to a third-party collection agency, Recuvery LLC ( XXXX XXXX CA XXXX XXXX, that I do not owe. 

In XX/XX/year>, I hired XXXX XXXX to represent me in a civil matter in XXXX XXXX, Florida. I paid a retainer for XXXX hours of legal services. However, he failed to appear in court or file a timely response, which resulted in a default judgment against me on XX/XX/year>. 

Due to this breach of professional responsibility, I requested a chargeback from my Bank, which was approved after reviewing that the service was not rendered. 

On XX/XX/year>, I received an email from Recuvery LLC, attempting to collect that same disputed amount. This is an invalid and abusive debt collection attempt under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692e & 1692g ).

I have not received proper validation of the debt from Recuvery LLC. I am also in the process of pursuing a legal malpractice action against XXXX XXXX and have submitted a formal complaint with The Florida Bar.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: WA

Complaint narrative:
Cash App has failed to release my funds after a pending hotel authorization expired. The merchant has confirmed the transaction was completed and released on their end. Despite thatand the fact that 30 days have passedCash App refuses to release my funds or open an investigation. On XX/XX/year>, a temporary authorization hold was placed by XXXX XXXX XXXX XXXX for {$210.00}. I stayed at the hotel, paid my balance, and received confirmation from the merchant that they released the hold on their end. It is now XX/XX/XXXX, XXXX full daysand the funds are still not back in my account. 

I contacted Cash App support, provided receipts, and was told repeatedly that the hold should drop off in XXXX  daysXXXX days have come and gone, and they are still refusing to open an investigation, escalate to a supervisor, or take action. The advocate refuses to acknowledge that the XXXX days have passed and insists I wait longer. 

I rely on these funds. This delay is unacceptable, and I believe Cash App is violating fair electronic funds handling practices. I am requesting immediate release of my funds and full investigation into this delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
On XX/XX/XXXX while doing online bill pay I noted XXXX unauthorized transfers of {$500.00} from my checking account to my paypal mastercard. I called the bank and the transfers were stopped. However, when I checked my paypal account, which I use very infrequently, there were XXXX unauthorized charges bringing the balance to under {$5.00}. That is when the attempt was made to transfer funds from my checking account. I unlinked the bank and the credit card and blocked the card. 
After calling paypal that same day and alerting them to the issues, I was told to dispute transactions and they would be refunded. After a few days I checked again and money had been refunded and then immediately more charges were made. 
I have spoken with paypall customer on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX. and XX/XX/XXXX. The card has been blocked and then cancelled and still charges occur after these measures. Also, each time I logged in my password was invalid and I had to create a new one. Also, after the account was closed and I called again, they could not find the account until I provided more information. 
On XXXX there were XXXX charges to Paypal XXXX gifts. I disputed these and the dispute was denied and case closed. The beginning balance before the unauthorized charges was {$48000.00}. Since some was refunded and charged again, I do not know the total of fraudulent charges. At XXXX point when verifying information from me, it was discovered that a phone number that was not mine, had been attached to the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 non-monetary relief
Consumer complaint received 2025-06-15 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: IL

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

1681c-2 ) that you, the XXXX  credit reporting agency, 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 IL, XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$240.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: TN

Complaint narrative:
I am filing a complaint against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ) and failure to correct, validate, or reinvestigate inaccurate and misleading credit data after a formal dispute. 
1. Inaccurate Mortgage Reporting XXXXXXXX XXXX XXXX I am in an active loan modification with XXXX. I made partial payments prior to XX/XX/2025, was blocked from paying XXXX, and made trial payments for XXXX XXXX. 
Despite this, Equifax reports XXXX day delinquency during this period. 
- Violates FCRA 607 ( b ) and CFPB Regulation X ( 12 CFR 1024.41 ( c ) ( 2 ) ( iii ) ). 
- Equifax also omits {$1200.00} currently held by XXXX from partial payments. 
2. Unverified Collection XXXX XXXX XXXX Equifax is the only bureau reporting a XXXX XXXX  account with no original creditor listed, and has failed to provide FDCPA 809 ( b ) validation. This violates FCRA 611 ( a ).

3. Inaccurate Reporting XXXX XXXX XXXX Equifax reports this account with a high credit of {$2700.00}, exceeding the reported credit limit of {$2000.00}. No documentation or contract was provided under FCRA 609 ( a ) ( 1 ). This account does not appear on TransUnion or XXXX. 
4. XXXX XXXX Account Discrepancies I have several XXXX  XXXX accounts ( including XXXX ) where : - Balances, charge-off dates, and status timelines differ across all XXXX bureaus - One account may be reported as closed on Equifax, but as charged off on others - One tradeline may represent a XXXXXXXXXXXX  account, but is duplicated or misrepresented This violates FCRA 607 ( b ). 
5. Reporting Without Validation I requested verification of all negative items, including original signed agreements ( wet signature ). Equifax failed to produce any documentation under FCRA 609 ( a ) ( 1 ).

6. Inaccurate Personal Information ( FCRA 605 ( b ) ) Equifax continues to report incorrect names and addresses no longer associated with any active tradeline. This helps prevent file merging, inaccurate matching and confusion during background checks, loans or employment screening. 
Names to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses to remove : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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:
T

his letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes.

Creditor Name : [ XXXX ] Account Number : [ 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 2025-06-15 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: NY

Complaint narrative:
i recently reviewed a copy of my credit report, and i notice there are fraudulent accounts on my report. they affect my ability to obtain credit. please remove all fraudulent accounts on my reportimmediately

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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Under 15 USC 1681b the bureaus violated my rights. Permission to report items are invalid and rightful for lawsuit. A lawsuit will be avoided simple by removing the following items. - Fraud Alert on XXXX  - Employer XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Address XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XXXX XXXX Pa XXXX Please remove immediately to avoid legal actions

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 2025-06-15 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX Date : XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Fraudulent Accounts and Demand for Immediate Deletion Dear Experian Dispute Department, I am writing to formally dispute and demand the immediate removal of multiple fraudulent accounts that appear on my credit report under the name XXXX XXXX. After carefully reviewing my Experian credit file, I was alarmed to find numerous accounts that I did not open, authorize, or recognize. 

The fraudulent accounts in question include, but are not limited to : 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 XXXXhese accounts are not mine and are a direct result of identity theft. I have taken immediate and appropriate action, including filing an Identity Theft Report with the Federal Trade Commission ( FTC ). Enclosed are copies of that report, my government-issued ID, and a recent utility bill to verify my identity and address. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove all information on my report that resulted from identity theft once you have received proper documentation. I am hereby demanding that Experian : Immediately block and permanently delete all fraudulent accounts listed above from my credit file. 

Conduct a comprehensive and prompt investigation in compliance with the FCRA.

Provide written confirmation once your investigation is concluded and the fraudulent data has been removed.

This is a formal and time-sensitive dispute request under federal law. I expect full compliance within the 30-day period provided by the FCRA. If this matter is not resolved appropriately, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies as necessary. 

Thank you for your urgent attention to this matter. I look forward to receiving written confirmation of this being resolved. 

Sincerely, 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 2025-06-15 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: PA

Complaint narrative:
XXXX was make a payment the wasnt able to take the money on my checking account the close it when I see that I paid the them I just see on my credit report balance {$100.00} and I dont owed them Company name capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: DC

Complaint narrative:
there is a new account listed on my credit report which was not opened by me. this is a fraudulent account, someone stole my identity and opened up the account in my name. this needs to be removed from my account. this is the new account that was reported on my credit report on XX/XX/year> under the name : XXXX, company address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX i discovered this fraud when this new account was listed on my credit report. 

nothing has been spent on this card, but i need it removed.

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