vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
On XXXX at XXXX I received a message saying multiple devices have been removed from my account. After receiving this message I attempted to access my account through cash app via chat to no avail. Later that morning I contacted cash app support via phone call looking to gain access to my account, after gaining access to said account I could see an unauthorized transaction on this account, explaining to cash app that I did not authorize this transaction. I was told the best action moving forward was to dispute this transaction. However after following through with this process my dispute was denied. After being denied my dispute I asked for details or an explanation as to why my dispute was denied. Cash app customer support then explained that my case was being processed for further investigation and that I would be contacted via email by a team of specialists. Shortly after this conversation I received an email from cash app saying that my dispute was resolved in my favor in the amount of {$25.00}. After receiving this message I reached out to cash app again via phone call asking for an explanation, again cash app expressed that I would be contacted via email by this team of specialist. My concern was an explanation as to how my dispute was resolved in my favor in the amount of {$25.00} when my dispute was in the amount of {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: NV

Complaint narrative:
I have found fraudulent accounts on my credit report, the accounts are XXXX XXXX XXXX XXXX with the account number XXXX opened on XXXX and XXXXXXXX XXXX XXXX XXXX XXXX  with the account number XXXX opened on XXXX. Please remove them my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: IL

Complaint narrative:
b'Dispute of XXXX Account Request for Deletion To Whom It May Concern, I am writing to follow up on my previous dispute regarding the XXXX  account appearing on my Experian credit report. On XXXX XXXX XXXX, I received a letter from Experian stating that the account had been verified as accurate. However, since then I have received results from XXXX and XXXX, both of which have removed/blocked this account from my credit file after their investigations. I have attached copies of their dispute results for your review. Under the Fair Credit Reporting Act (FCRA), all credit reporting agencies are required to maintain complete and accurate information. Given that two national credit reporting agencies have removed this account, I am formally requesting that Experian re-investigate and delete this XXXX  account from my file to ensure consistency and accuracy across my credit reports. Please provide me with written confirmation once this account has been deleted. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX Enclosures: Copy of XXXX dispute results (showing blocked/deleted account) Copy of Innovis dispute results (showing blocked/deleted account)'

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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
In XXXX of 2025 our vehicle was declared a total loss. Our vehicle was financed by Capital One. Throughout the process we were told via phone and mail that no payments were due on our account. We were told that our insurance and GAP coverage had paid off our loan. However, Capital One elected to violate everything they had told us. Capital One reported us to the credit bureaus as being past due on our loan. Capital One also violated the FCRA. I disputed the reported late payments and Capital One, in yet further violations of the FCRA, elected to confirm the late payments as fact. I had submitted documents provided by Capital One to us showing a XXXX balance and no payment due to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: NY

Complaint narrative:
While looking at my credit report, I noticed inquiries that do not belong to 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 explanation
Consumer complaint received 2025-08-24 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: AR

Complaint narrative:
I have been trying to contact transunion XXXX XXXX XXXX for months on the fraudulent debt collection on my credit report to dispute and remove they have not XX/XX/2025 I filed a complaint with cfpb also on this matter I have lost wages from my company not being able to obtain working capital from a poor credit score which has put me in a financial crisis I received a verified letter on this matter of fraudulent activity I want all collection to to be remove immediately!!!! I will be seeking litigation over this matter with the credit bureau and the debt collector my hippa right are in violation with this matter also please remove all

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 2025-08-24 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: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
Collection Agency XXXX XXXX XXXXXXXX Original Creditor Name XXXX XXXX  Date Assigned XXXX XXXX, XXXX Original Amount Owed {$760.00} Amount {$760.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XXXX XXXX, XXXX Comments Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX ( XXXX ) XXXX Collection Agency ONLINE XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$980.00} Amount {$980.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Classification UTILITIES Last Payment Date Date of First Delinquency XX/XX/XXXX Comments Contact ONLINE XXXX  XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: NV

Complaint narrative:
I have found fraudulent accounts on my credit report, the accounts are XXXX XXXX XXXX XXXX with the account number XXXX opened on XXXX and XXXX BANK XXXX XXXX XXXX  with the account number XXXX opened on XXXX. Please remove them my credit report.

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 2025-08-24 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: MS

Complaint narrative:
XXXX data breach please remove these negative items from my credit report under law 15 USC 1681 C-2

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 2025-08-24 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: MS

Complaint narrative:
XXXX  data breach please remove these negative items from my credit report under law 15 USC 1681 C-2

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 2025-08-24 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: MS

Complaint narrative:
Equifax data breach please remove these negative items from my credit report under law 15 USC 1681 C-2

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: GA

Complaint narrative:
CFPB Complaint Summary 1. What happened?

I submitted multiple disputes to LCI Experian / Equifax / TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply. 
Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted.

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

2. What do you believe is the issue?

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: NY

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, 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 2025-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I applied for a Venture One credit card through Capital One and was approved for {$300.00}. Card was received and activated. Even received a message stating I could now use the card. When I tried to eat the card for the first time, I immediately received a message stating that there was fraudulent activity showing with the card and for me to call them as soon as possible. I thought this was very odd considering I was adding the card to my XXXX wallet at the time. When I called, I was advised that I needed to provide additional information in order to use the card and until I did that the card was restricted. I was advised I had to provide proof of income and the last three months bank statements. I found this to be very odd considering Id already been prayed for the card and I have multiple accounts with capital one already and do income verification for them on a regular basis. At one point the rep advised me that they were going to use the information to make sure that they marketed the right products to me. This individual was offshore. I called back and requested to speak with an individual in the United States. That individual said they did not know why capital one would approve me for a card and then not allow me to use it without providing that sort of information. However, I would have to do that before the restriction was removed. They advised me that what they saw was that there had been a request placed on the account to prove it was me that applied for the card. I pointed out. They had all my information and I had already verified my identity and that should be enough. Particularly for a {$300.00} credit card. This was very misleading. I applied for the card and was approved. I activated the card and was advised I could use it. But now they will not allow me to use it unless I give them the last three bank statements and proof of income. It comes across as phishing and very scammy. I have reviewed their site and I see nothing about this card requiring additional verification after it has been approved. I feel I have been misled in an attempt to acquire additional information for me. Also, I have two checking accounts with capital one and they have access to this information. Its all just very odd and makes me extremely uncomfortable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: CA

Complaint narrative:
I am submitting this complaint against Equifax for inaccurate credit reporting and failure to properly investigate disputes under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I signed a {$1000.00} SchoolsFirst installment loan. The contract sets 10 monthly payments of {$100.00} due on the XXXX of each month, beginning XX/XX/year> and ending XX/XX/year> ( see attached signed agreement with due dates highlighted ). 

Equifax is reporting a Date of First Delinquency ( DOFD ) of XX/XX/year>. That date is impossible under the contract. No payment was ever due on the XXXX of any month ; all due dates were the XXXX. A delinquency can not lawfully be keyed to XX/XX/year> when the agreement only establishes due dates on the XXXX. 

Additional inconsistencies that undermine verification : The tradelines Scheduled Payment Amount field fluctuates between {$100.00}, {$10.00}, and {$0.00} in different months, even though my contract requires a fixed {$100.00} per month through the end of the term. 

Equifaxs own Account History/status grid shows a late-code in a different month than the DOFD field ( the grid flags XX/XX/year> while the DOFD field says XX/XX/year> ). These XXXX internal fields can not both be correct. 

I have disputed this repeatedly and provided the signed contract. Equifax continues to send boilerplate verified by lender responses. I also sent Method of Verification ( MOV ) letters under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ; Equifax ignored those requests. SchoolsFirst likewise refuses to address the contradictions and returns generic verified statements that appear automated.

This erroneous reporting harms my credit and causes Equifax soft pulls to claim I have too many delinquencies, when this single, disputed item is the only alleged delinquency.

Legal Violations and Duties : 15 U.S.C. 1681e ( b ) duty to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) duty to conduct a reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) if disputed information can not be verified, it must be deleted.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) duty to provide Method of Verification upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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 filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. 
I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. 
The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2.

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: FL

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. 
I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. 
The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2.

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information immediately.

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 2025-08-24 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: MOHELA
State: MS

Complaint narrative:
Equifax data breach please remove these negative items from my credit report under law XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Subject : Complaint Regarding Capital Ones Improper Handling of Chargeback Dispute To Whom It May Concern : I am filing a complaint against Capital One regarding their denial of my chargeback dispute for services provided by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, GA XXXX, ( XXXX ) XXXX ) on XX/XX/year>, in the amount of {$830.00}. 
Also, on : XX/XX/year>, in the amount of {$2700.00} XX/XX/year>, in the amount of {$720.00} XX/XX/year>, in the amount of {$1000.00} I disputed this charge because the repair services I paid for did not resolve the mechanical issue with my vehicle. Despite multiple visits, the merchant failed to provide an effective repair. To confirm this, I obtained a diagnostic report from a second licensed auto repair facility, which determined that the parts installed by XXXX XXXX XXXX XXXX were unrelated to the actual problem. 

I submitted this evidence to Capital One, including documentation of additional expenses I incurred as a direct result of the merchants inadequate service. However, Capital One denied my dispute on the grounds of 'insufficient information, ' despite me providing substantial supporting documentation. 

This denial has caused significant financial loss and personal hardship. I am requesting that the CFPB review this matter and ensure that Capital One conducts a fair and thorough reconsideration of my dispute in accordance with consumer protection standards. 

Supporting Documentation Provided : Diagnostic report and photos from XXXX XXXX XXXX XXXX Repair receipts from XXXX XXXX XXXX XXXX XXXX receipts for transportation to/from the shop Towing receipts Phone call logs documenting communication attempts

Company response to consumer: Closed with explanation