vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: TN

Complaint narrative:
IN A PREVIOUS COMPLAINT, I STATED THAT EXPERIAN IS LEAVING INQUIRIES ON THE CREDIT REPORT LONGER THAN 24 MONTHS. IN THEIR RESPONSE, THEY STATED THIS : " In your dispute, you are requesting to have inquiries removed from your credit report. '' ( FIND THEIR STATEMENT IN THE CFPB REPORT ENDING IN XXXX ). THEIR STATEMENT IS A FLAT-OUT LIE, PLUS THEY DID NOT ANSWER THE REPORTED ISSUE, NOR ADDRESS IT, NOR FIX IT. THEY ARE LEAVING INQUIRIES ON OUR REPORT FOR XXXX TO XXXX  MONTHS AT A TIME, INSTEAD OF XXXX  MONTHS. 

MY LAWYER WILL FILE MY COMPLAINT PAPERS WITH THE COURT IF EXPERIAN DOES NOT FIX ALL INQUIRIES ON MY REPORT TO BE DROPPED OFF IN XXXX  MONTHS, NOT XXXX OR XXXX  MONTHS. SEE XXXX FOR DETAILS. 

PLEASE BE ADVISED I WILL FILE MY LAW SUIT IF THIS IS NOT FIXED ON EXPERIANS WEB SITE. 
I HAVE ALSO STARTED A PETITION LIST FOR OTHER CUSTOMERS WHO EXPERIAN IS DOING THIS WAY AS WELL. ALL THEY NEED TO DO IS FIX THE INQUIRIES AS TO WHERE THEY STAY ON THE CREDIT REPORT FOR XXXX  MONTH, XXXX NOT XXXX OR 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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have disputed multiple accounts on my Experian credit report that are inaccurate, incomplete, or legally unverifiable. These include : XXXX. XXXX / XXXX XXXX XXXX charge-off and missing payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX Invalid date entries and unverifiable collection balance XXXX. XXXX XXXX XXXX No documentation proving ownership of the alleged XXXX XXXX debt XXXX. XXXX XXXX / XXXX XXXX XXXX comments like natural disaster and credit line suspended These disputes were submitted under FCRA 1681i and 1681e ( b ). If Experian can not verify these accounts with original documentation from the furnishers, they are legally required to delete them under FCRA 1681i ( a ) ( 5 ) ( A ).

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 2025-07-16 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$9900.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4200.00} XXXX  XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: NJ

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nTransUnion Consumer Solutions\XXXX XXXX XXXX XXXX XXXX\nSubject: Rest to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Transunion Consumer Services,\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the TransUnion data breach, and unauthorized accounts have been fraudulently opened in my name.\nThe fraudulent accounts that I have identified on my credit report are as follows:\n\n1.\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nUnder 15 U.S.C.  1681c-2(a), I request that Transunion promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.\n\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 non-monetary relief
Consumer complaint received 2025-07-16 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: CO

Complaint narrative:
Capital One closed two of my credit card accounts due to one returned payment. They did not allow me to even attempt to retry the payment before closing my accounts. Neither card was late or delinquent, I have always had on time payment history and never had payment problems in the past. In fact one of the cards had a {$0.00} balance for the last couple years, and it was closed too. I explained that it was a bank account error, but they told me there was nothing they could do. I called the same day they closed the card without notifying me. ( XX/XX/year> )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX account # XXXX XXXX unaware of this dept and did not have the opportunity to dispute this account. If you believe you sent proper notifications, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account # as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
An automatic bill pay was made on XX/XX/2025 for {$37.00} that I did not authorize. The company said I enrolled in an autopay program on XXXX XXXX online. I did not do that. I contacted the credit card company and demanded to cancel the autopay program and refund my money. They said that they would but it would take 2 days to cancel the program and 7-15 days to get my refund. I am concerned that this company fraudulently enrolled me in this autopay program.

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 2025-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
There was a ln account made using my information on chime and {$100.00} was taken out of my person bank account. Called chime they closed my account and advised to file a claim with my bank and then proceeded to deny my claim and now they refuse to provide any further assistance to the account me closed but yet chime was the was who advised to closed the account and did not provide me with the information that I will not be able to receive any assistance if necessary when the account is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 non-monetary relief
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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

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 2025-07-16 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: NC

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-07-16 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: NC

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian is currently reporting an outdated address on my credit file that no longer reflects my identity or place of residence. My sole legal and current address is XXXX XXXX XXXX XXXX XXXX, LA XXXX. However, Experian continues to list XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX, which was last associated with me over a year ago, with a reported date of XX/XX/year>. 

I have made multiple efforts to have this outdated address removed. Despite my clear and repeated communication, Experian has failed to correct this discrepancy, which is not only inaccurate but has also caused persistent complications in my financial life. The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), mandates that consumer reporting agencies maintain accurate records using reasonable procedures. Experian 's failure to ensure the accuracy of my personal identifying information undermines both my legal rights and the credibility of the entire consumer reporting system. 

Leaving this old address on file introduces unnecessary risk and confusion. I have experienced delays in credit applications, been asked to explain conflicting address histories during identity verification, and even had to resubmit financial documentation more than once for housing and insurance approvals. The persistence of this outdated data sends a misleading signal to lenders and service providers about where I currently live, potentially harming my ability to access fair credit opportunities. 

This is not a trivial issueit creates stress, frustration, and a continuing cycle of unnecessary paperwork and scrutiny. I should not have to constantly defend my own address history when the credit bureau is legally obligated to report it accurately in the first place.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Since XXXX i have been sending disputes and letters to equifax trying to have this issue resolved. 

They are not generating a credit report for me, and i have countless times have sent a copy of my drivers license and SSN, they still do not report for me and its hindering my ability to use my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Account Number Ending In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They repossessed my vehicle without first providing me with a required Notice of Default of Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614.

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ).

I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NY

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

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 2025-07-16 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: MS

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XX/XX/year>, I sent Midland Credit Management ( MCM ) a formal dispute and validation request under 15 USC 1692g. They failed to provide full legal validation. I followed up with a second certified dispute on XX/XX/year>, clearly demanding the original signed contract, full payment history, itemized breakdown of the balance, and legal chain of assignment from XXXX. 

Instead of complying with the law, MCM repeatedly sent the same recycled billing statements and vague account summaries none of which meet the legal standards for debt validation. I sent a final demand letter on XX/XX/year>, demanding deletion and warning that continued collection or credit reporting would violate the FDCPA and FCRA. 

Despite receiving all disputes, Midland willfully reported this unvalidated debt to the credit bureaus in XX/XX/year>, directly violating federal law. They ignored multiple certified letters and continued to damage my credit. This is not a mistake its a knowing violation of my consumer rights, and Ive documented every communication for formal complaints and legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened up an account last month and I tried to accept an XXXX to my boyfriend for rent but he sent the r wrong amount so I declined it and he sent another one and I accepted it and then my account got locked for fraud. I called citi bank and they sent out a letter that has a code in it to get my account unlocked on the XXXX of XXXX and they also told me that if it downer get here by the XXXX of XXXX to call them and then they would unlock my account. I did that and they told me that they have to send out another letter but I cant wait another week to 2 weeks to get it because Ill be homeless by then and I need to get my meds and they keep hanging up on me and being completely rude to me. I need my money so I can go elsewhere to bank. They are holding my money from 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 2025-07-16 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, 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 2025-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On Wednesday around XXXX CST, I received a notification of an unauthorized cash app charge of {$.00} and {$.00}. Then, at XXXX, an unauthorized charge of {$1500.00} was withdrawn from my XXXX XXXX XXXX  account. I discovered later the {$.00} and {$.00} charge was a validation pending charge ( not showing up on my bank statement ). I contacted my bank ( via phone ) immediately, and cash app ( via app ) to report as fraud. Unfortunately, cash app will not assist because the transaction was not added to my cash app account. Someone created a fake cash app account under my name to withdraw funds from my bank. I asked cash app if they could please look up the transaction that was uploaded with my bank, and they stated they couldnt due to protection policies, and Im not the account user. I ended up filing a dispute with my bank ( XXXX XXXX ), but was informed that cash app disputes can be challenging. I have NEVER sent that amount of money to cash app. Ive had someone send me that kind of money cash app, and I sent to my bank account to withdraw. However, Ive never sent that kind of money to cash app. Also, Ive never recalled cash app authorizing debit card when linking your bank. I just want my money back. I just had a baby, and someone stole from me.

Company response to consumer: Closed with explanation