vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. 
Please let me know if you need any other information from me to block this information from my credit report. 

LVNV FUNDING LLC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
XXXX  froze my account due to a suspicious debit card being added on different account that wasn't mine. The card supposedly added to the other account is also not mine. They banned me and said it would take 180 days for me to have access to my money ( {$950.00} ). All attempts to prove my identity, or try to access my funds were met with customer service that repeated the same awful prompts. Please avoid XXXX  at any cost, they are thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: CA

Complaint narrative:
This account that i had with comenity bank was charged off when i paid the balance to XXXX they claimed that they could collect interest on a XXXX dollar balance. I asked them to send me the credit card statements they stated that they didn't have that information anymore that they sold the debt XXXX XXXX  can not prove to me that the account should have been charged off i have asked Experian, Equifax and Transunion to investigate they always come back as if the debt is valid but when i call XXXX XXXX i am told they cant even access the account so how are the accounts coming back as valid

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 2025-03-13 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: CA

Complaint narrative:
This account that i had with comenity bank was charged off when i paid the balance to XXXX they claimed that they could collect interest on a XXXX dollar balance. I asked them to send me the credit card statements they stated that they didn't have that information anymore that they sold the debt XXXX XXXX  can not prove to me that the account should have been charged off i have asked Experian, Equifax and Transunion to investigate they always come back as if the debt is valid but when i call XXXX XXXX i am told they cant even access the account so how are the accounts coming back as valid

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on 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 2025-03-13 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: CA

Complaint narrative:
By the Provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec. 1681i ( a ), you must complete this investigation within 30 days. of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
By the Provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec. 1681i ( a ), you must complete this investigation within 30 days. of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months.

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 2025-03-13 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: SC

Complaint narrative:
I submitted a second written dispute to TransUnion regarding several unauthorized hard inquiries on my credit report. Despite my first request, TransUnion has failed to remove or adequately verify these inquiries.

I contacted the creditors associated with these inquiries, and they confirmed that they do not have any record of my authorization or any permissible purpose for conducting these inquiries. Under 15 U.S.C. 1681b ( Permissible Purposes ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are prohibited from including inquiries that were not authorized by the consumer or that do not meet legally defined permissible purposes.

Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) requires credit bureaus to delete unverifiable information, yet TransUnion has not complied. I also requested a description of the method of verification under 15 U.S.C. 1681i ( a ) ( 7 ), but I have not received any documentation or explanation of how these inquiries were verified.

The Consumer Financial Protection Bureau ( CFPB ) has acknowledged problems with the EOSCAR system, which TransUnion may have used in an automated and inadequate manner instead of conducting a proper manual investigation as required by law.

These unauthorized inquiries are damaging my credit score, and TransUnions failure to properly investigate and remove them constitutes a willful violation of the FCRA as well as a potential unfair, deceptive, or abusive act or practice ( UDAAP ) under CFPB regulations.

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 2025-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: WA

Complaint narrative:
In XXXX of XXXX, without my knowledge, XXXX XXXX, mailed out a home modification agreement to me and my husband. It stated that they would reinstate our home loan if we paid a balloon payment of {$17000.00} and then start monthly payments of {$1700.00}. We did not receive a phone call prior to this being mailed out or after this was mailed out. This was also not mailed out Certified Mail. This mail was misplaced and not opened. The next thing that happened was a foreclosure notice. I thought there was nothing more that could be done, but trying for a modification, not knowing that they had already offered the one prior. I called Selene and stated I would be filling out the packet and sending that in, I did this in XXXX and emailed it on XX/XX/XXXX. They had very strict instructions that stated not to check on the status for 12 days. on the XXXX day, I called and checked to make sure everything was received and in order. I was told the packet i filled out was in order, but they just needed additional documents. I emailed those documents on XX/XX/XXXX. I called to check on them on XX/XX/XXXX and was told that my modification was cancelled due to one of the papers being on a sheet of paper instead of on one their forms. They made no mention of this on the XXXX of XXXX when I made my original call inquiring. I refilled and checked the next day, XX/XX/XXXX. I was told that now, all along that page 2 was wrong, but not one person told me. On XX/XX/XXXX I resent in that page. I was then told it was too late, as the modification needed to be filed 37 days prior to the foreclosure date. I feel I was led on by Selene so they could take our home as they knew we were trying to get a modification to save it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
On XX/XX/year> at XXXX PM XXXX XXXX utilized deltas website to book a flight from XXXX Wisconsin to XXXX XXXX. Upon selection of the desired fares of XXXX delta sky miles for a round trip fair, filling out all checkout information and selecting " Check out '' the website " Crashed '' giving me an error message that my request could not be processed. After " crashing '' the website took me back to the flight selection process where the miles cost had gone up by 27 % to XXXX sky miles. In order to secure travel the tickets were purchased at the elevated price and XXXX was immediately informed of the system glitch over phone. XXXX refused to honor the system advertised price. 

Upon researching this issue many other delta customers experience these " Glitches '' where the lower miles price is offered to them only for checkout to fail. This is an abuse of their locked in ecosystem and an anti-consumer practice used to fraudulently cost delta users more of their internal currency. Since these miles are equivalent to dollars within the delta ecosystem this is an anti-consumer practice that should be investigated. 

https : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was recently flooded with a bunch of emails from random places and I thought someone put my email on a spam website or something. Buried in the 100 's of emails I missed one that said " Your capital one card has shipped! ". Honestly there was so many that I was not reading every single one. Yesterday XX/XX/year> I received the card and was confused. Now realizing someone opened a capital one credit card under my name. Then I looked at my credit report, everything was fine except the most recent capital one credit card. I was able to log in to the account on capital one by doing the forgot user id or password. No transaction has been made. I froze my credit with the 3 bureau 's today XX/XX/year>, called capital one and no one was available so I just left an urgent voice message hoping they would call back. No call back yet so I am just doing this claim now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Request for Cease and Desist of Collection Communications

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: KY

Complaint narrative:
Subject : Request for Discharge of Federal Student Loans Due to Unauthorized Access and Breach of Personal Information I am formally requesting the discharge of my federal student loans due to the unauthorized access and breach of my personal information by the Department of Government Efficiency ( DOGE ) team in XXXX. This unauthorized access is a direct violation of multiple federal laws designed to protect student borrowers ' personal and financial data.

Violations Committed : 1. Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ) - FERPA protects the privacy of student education records and prohibits the unauthorized disclosure of personally identifiable information ( PII ) without consent. The unauthorized access of my student loan records is a clear violation of this act.

2. Computer Fraud and Abuse Act ( 18 U.S.C. 1030 ) - This act prohibits intentional unauthorized access to protected government systems containing personal and financial information. The DOGE team 's acces
s to my student loan data without consent constitutes a breach under this law.

3. Privacy Act of 1974 ( 5 U.S.C. 552a ) - This act restricts the disclosure of personal information held by federal agencies without the individual 's consent. My data was accessed without authorization, violating my rights under this law.

4. Personal Data Privacy and Security Act - This act mandates federal agencies and organizations handling personal information to implement strong privacy and security measures. The breach of my student loan records demonstrates a failure to comply with these requirements. 


Given these serious legal violations, I respectfully request the full discharge of my federal student loans. The unauthorized access to my personal records has not only compromised my privacy but also created potential financial and identity theft risks. As these actions directly breach federal laws protecting borrowers, my loan obligations should be nullified as a result. Until this issue has been resolved my loans have been placed in forbearance and my credit report should show this update and discharge as soon as possible. 

I appreciate your prompt attention to this matter and expect a favorable response to rectify this violation of my rights. Please confirm receipt of this letter and provide a timeline for resolution. 
Account is in forbearance and reflected negatively on my credit score, I am going through a divorce and a XXXX XXXXXXXX survivor and my information was breached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: AZ

Complaint narrative:
Experian has failed to remove a disputed collection account from XXXX XXXX XXXX XXXX despite exceeding the investigation period required under FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). The collection, for {$9500.00}, was previously disputed, and both XXXX and XXXX removed it within 30 days after determining it was unverifiable. 

Despite submitting a formal dispute, supporting documentation, and a prior CFPB complaint ( XXXX ), Experian continues to report the collection without proper verification, violating 15 U.S.C. 1681i ( a ) ( 5 ), which mandates deletion of unverifiable information. 

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian continues to report this account without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes.

Furthermore, Experians failure to properly investigate may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against XXXX for similar violations XXXX I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with proper proof of investigation. 

Disputed Account : XXXXXXXX XXXX XXXX XXXX Account : XXXX Experians failure to correct or remove inaccurate data has harmed my credit report and had real, tangible consequences on my life. I request IMMEDIATE suppression and deletion of this account and written confirmation of its removal as Im entitled to under FCRA 15 U.S.C. 1681i ( a ) ( 5 ), which mandates the deletion of unverifiable, inaccurate, or incomplete information from 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 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I sent {$630.00} worth of crypto to my Robinhood account so I can withdraw it to my debit card. When I added my debit card they decided to lock my account and funds and wont let me pull out my funds that I own. They keep asking me to show them bank statements from cards that I no longer own and I already told them multiple times I cant get those the accounts are closed. I just want my funds cause its my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: GA

Complaint narrative:
The reporting agencies ( TransUnion, XXXX, and XXXX ) violated my rights and federal law under 15 U.S.C. 6802 ( XXXX XXXX ) by improperly sharing my non-public personal information ( NPPI ), including my credit report, with unauthorized third-party entities such as debt collectors. This law restricts financial institutions from disclosing consumer information to non-affiliated third parties without explicit consent. Since credit bureaus and debt collectors are third parties, any sharing of my credit report without my authorization is an unlawful disclosure of my private financial data, directly violating federal consumer protection laws. 

This unauthorized disclosure has resulted in undue harm, including but not limited to third-party collection attempts based on improperly shared data. In response, I have taken the following actions : Conducted a thorough review of my credit reports to identify unauthorized disclosures, Documented instances where my information was shared without my explicit consent, Drafted and submitted this formal dispute to demand corrective action, Retained copies of all correspondence for legal and regulatory review. 

I have escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if necessary.

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 2025-03-13 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: FL

Complaint narrative:
I am writing to dispute several hard inquiries listed on my credit report. I have reviewed my credit report and noticed that there are inquiries that I believe were made without my consent or were made incorrectly. Specifically, *XXXX XXXX XXXX XXXX XXXX XXXX  *, I did not authorize this hard inquiry, nor was I notified in advance of it. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report, including unauthorized hard inquiries. These inquiries have negatively impacted my credit score, and I request that they be removed immediately.

In addition, according to 15 U.S.C. 1681b, a hard inquiry may only be made if I have given express permission for it. In this case, I did not grant permission for the inquiries listed on my credit report, and they appear to have been reported in error. 

I am requesting that the companies involved review the inquiries in question and remove them from my credit report if they can not provide proof that they were authorized by me.

Company response to consumer: Closed with explanation