vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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:
A fraudulent account from XXXX was opened in my name on XX/XX/XXXX, and reported as a charge-off. I did not open, authorize, or have any knowledge of this account. It was closed on XX/XX/XXXX. 

At the time the account was opened, I was a full-time college student living in XXXX XXXX XXXX XXXX XXXX no physical presence or activity in the location associated with this account. This further confirms the fraudulent nature of the account. 

I have taken every possible step to correct this issue, including : Disputing the account with the credit bureaus beginning XX/XX/XXXX. 

Submitting multiple disputes and formal FTC Identity Theft Reports. 

Filing a complaint with the XXXX Attorney XXXX XXXX ( case number : XXXX ). 

Requesting a fraud alert be placed on the XXXX account ( reference number : XXXX ). 

Sending certified FCRA XXXX XXXX Block Requests to all XXXX  credit bureaus on XX/XX/XXXX, via XXXX XXXX mail, tracking numbers : XXXX XXXX XXXX XXXX Sending a debt validation request to XXXX, but the company has remained unresponsive. 

Experian has already removed this fraudulent account from my credit report, confirming the lack of verification and its invalidity. However, the account continues to be reported by other bureaus, causing ongoing financial harm, stress, and violating my rights under the Fair Credit Reporting Act, specifically Sections XXXX and XXXX. 

I request that this fraudulent account be permanently deleted from all credit reports and that XXXX immediately cease reporting this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am filing this complaint regarding the auto loan account being reported by XXXX XXXX XXXX, as reflected on my Experian credit report. 

The account is listed as follows : Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Status : " Paid, Closed. {$8800.00} Written Off '' Last Payment Date ( reported ) : XX/XX/XXXX Terms : XXXX  Months This tradeline contains conflicting, incomplete, and potentially inaccurate information in violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. I am requesting a full investigation and verification of the following issues : Specific Dispute Issues & Questions : Is this account considered " XXXX  '' or " XXXX XXXX XXXX? 

The status says both " XXXX '' and " XXXX XXXX. '' This is contradictory and misleading. 

* * What is the exact date of first delinquency that led to the charge-off? 

When was the vehicle repossessed, and was it voluntary or involuntary? 

How much was the vehicle sold for, and on what date? 

What is the current balance ( if any ) that you claim is owed? 

Please provide documentation proving you currently own this account or are legally authorized to report it. 

If ownership of the debt was transferred or sold, please provide the assignment agreement and chain of title under XXXX XXXX ( g ) and FCRA requirements. 

Why is the Monthly Payment field blank, and why are there no comments or notes regarding the repossession or charge-off? 

Why is there no reporting on the sale of the vehicle or resolution of the deficiency balance, if applicable? 

XXXX Requested : If you can not provide full documentation to support your reporting of this accountincluding ownership, accurate dates, payment history, and sale detailsI demand that you : Immediately delete this tradeline from all consumer reporting agencies, Or correct it to reflect only verifiable, accurate, and non-misleading information, as required by the FCRA. 

Please ensure a response is made to this complaint within the time allotted by law. I reserve the right to pursue further action, including legal remedies, if this dispute is not properly resolved

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 2025-08-07 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS XXXX XXXX XXXX AND SHOULD BE REPORTED ACCURATELY. UNDER THE TXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CODE XXXX ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: AR

Complaint narrative:
My phone screen went out on my phone, the phone place said its nothing they XXXX do with the phone. My cashapp account is on that phone with my emails and everything else. I gave them all the information about the account my social security number, my id number and everything they still won't let me get into my account. I also told them the recent transactions on there XXXX the account balance. They told me to make a new cashapp Everytime I make XXXX it's immediately closes it down!! And then they will say there's nothing they can do. I really need to get to my money I have XXXX kids XXXX they need stuff everyday my cash tag is XXXX XXXX please and thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I am filing a formal complaint against [ Bridgecrest ] for multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Telephone Consumer Protection Act ( TCPA ). 

Despite providing a written request on [ insert date ] to only contact me via mail, an employee named XXXX XXXX called me by phone on XX/XX/year>, which constitutes a violation of TCPA as consent for phone communication was never given or was clearly revoked. 

Additionally, I have requested debt validation and all post-repossession documentation related to this account on XXXXwo occasions, but no documents have been provided to date. This is a direct violation of 15 U.S. Code 1692g and 15 U.S. Code 1692e.

The company has continued to attempt communication without validating the alleged debt, and I have already filed an FTC complaint for these violations. 

I am requesting immediate investigation and enforcement, as this company is not in compliance with federal law. 

I am also submitting this as a formal record of intent to escalate legally, including potential civil action under TCPA and FDCPA if non-compliance continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: RentDebt Automated Collections, LLC
State: SC

Complaint narrative:
{$1000.00} is listed on my credit report and I havent stayed at this property thats stating I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: PA

Complaint narrative:
Hi there, I need your assistance with some accounts that have shown up on my credit report. I didnt create or approve them, and I wasnt notified when they were added. In line with USC 1681g, Im requesting that they be removed within the next 15 days. Ive included documents that explain my situation.

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 2025-08-07 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: NY

Complaint narrative:
Consumer Complaint Against Experian, Equifax, and TransUnion Submitted by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Phone : XXXX XXXX XXXX XXXX  Date : XX/XX/2025 Subject : Final Notice Unresolved Dispute and Ongoing Violations of the Fair Credit Reporting Act ( FCRA ) I am filing this complaint against all three major credit reporting agencies Equifax, Experian, and TransUnion due to their continued failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding the handling of multiple disputes I submitted about inaccurate and unverifiable information in my credit file. 

Despite my most recent dispute and prior notices, the bureaus have not provided a legally sufficient response or taken corrective action. Instead, I received generic verified responses, without being given the legally required method of verification, which is a clear violation of 15 U.S.C. 1681i ( a ) ( 7 ). Furthermore, the continued inaccurate reporting violates 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. 

Unresolved Disputed Account : XXXX XXXX ( Collection ) Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failures by the Bureaus : Each bureau has failed to : Provide the specific method and procedures used to verify the disputed information. 

Disclose the full name, title, and contact information of the furnisher of the disputed item.

Supply any supporting documentation relied upon during the verification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: MD

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I AM HAVING A HARD TIME WITH THE BANK INSTITUTION BANCO POPULAR DE PR WHERE I HAVE AN ACCOUNT. I NOTICED SEVERAL UNAUTH TRANSACTIONS AS PAYMENTS MADE TO The PLATTFORM XXXX. I MADE A CLAIM AND DENIED, APPEALED DENIED TOO. THE REASON FOR THEIR DECISION WAS THAT I HAD AUTHORIZED THESE TRANS BY A XXXX ACCOUNT OF MINE WHICH I DONT HAVE. THE AMOUNT CHARGED BY XXXX  OR PYMNTS TO IT WERE ABOUT {$4600.00}. TODAY I CALLED AGAIN TO THE BANK TO GET AN UPDATE ON THE " INVESTIGATION '' BUT NO HELP AT ALL. SPOKE SEVERAL TIMES WITH DIFFERENT AGENTS OF BPPR AND SEND ME EMAILS SAYING WILL REOPEN CASE BUT THE INVESTIGATION HAS BEEN ALWAYS DENIED BASED ON EVIDENCE THAT ALTHOUGH I REQ THEM TO SEND ME THEY HAVE NOT.THE LAST AGENT NAMED XXXX JUST TREATED ME AS A LIAR AND SAID WONT HELP LOST IS LOST KEEP GOING.NON OF THEIR BUSINESS TO SOLVED MY CLAIM. SOMEONE HACKED OR USED MY ACC AND BANK WONT HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Request removal of inaccurate information as well as old information concerning late reporting and charge offs as well as collection from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
I am disputing a debt collection on my credit report from XXXX XXXX a car that I have no knowledge of and did not authorize. I do not have driver license so it is impossible for me to have a debt with a rental car service. This account is unfamiliar and appears to be fraudulent or placed in error.

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 2025-08-07 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:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking : Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Late payment entries appear on my report that I believe are inaccurate Under 15 USC 1681e ( b ) and 15 USC 1681i my report is required to contain only information that is accurate complete and verifiable I am requesting that these late payment entries be verified and if they can not be confirmed they should be corrected or removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
I have submitted multiple XXXX applications from XX/XX/XXXX through XX/XX/XXXX, all of which are marked as XXXX. I would like to understand the reasons behind this and request that my application be properly processed. I was advised by both the XXXXXXXX XXXX and XXXX through phone calls to submit these applications. 

When I contacted support, they indicated that my XXXX applications appeared to be in order and confirmed that I had submitted additional applications for the respective years during the email prompts to recertification or reapply. However, they now show the applications as closed and not approved. 

I have agreed to the terms of XXXX, was placed in deferment, and have continued making payments. I have a qualifying employer for XXXX. Recently, I was informed that my repayment plan is changing, and that my payments will no longer count toward forgiveness, with no option to buy back previous payments. I believe this is unfair and that my repayment efforts should be recognized, regardless of the forbearance. 

I am concerned that there may have been a system error or miscommunication, especially since I have been advised to manually submit my XXXX applications, and my repayment terms have been fluctuating over the past few years. I accepted a lower-paying XXXX XXXX and now my plan appears to be changing to an unaffordable arrangement. Unfortunately, none of my previous efforts seem to be reflected in my current standing. 

When I attempt to reach support, now after this big beautiful bill I am unable to speak with a representative, as I only hear a dial tone. I am uncertain about the current status of my account and the proper procedures I should follow. 

What I do know is that since graduating and obtaining qualifying employment, I have followed all instructions and agreements related to repayment. It is not my fault if the courts now determine that forgiveness is not possible. I would appreciate your assistance in ensuring that my efforts are properly recognized so that I XXXX move closer to XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-07 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX La XXXX XXXX XXXX Subject : Request to Block Fraudulent Information Under XXXX XXXX. XXXX ( FCRA ) To Whom It XXXX Concern, I am writing to formally request that you block certain information on my credit report that is the result of identity theft, in accordance with XXXX XXXX XXXX  XXXX of the Fair Credit Reporting Act ( FCRA ). I have identified the following fraudulent item ( XXXX ) on my credit report : - Creditor Name-XXXX - Account Number : XXXX - Date Opened : XX/XX/year> XXXX - Reason : I did not authorize or open this account. I believe it was opened fraudulently in my name which also has discrepancies in balance and late payment history with each bureau. Enclosed with this letter, I am providing the required documentation : XXXX. A copy of my government-issued photo ID ( proof of identity ). XXXX. A copy of a recent utility bill or bank statement ( proof of address ). XXXX. A copy of my police report or FTC XXXX Theft Report. XXXX. A signed statement declaring that I did not initiate or authorize the listed transaction ( XXXX ) and that they are the result of identity theft. Please initiate a block on the above-mentioned fraudulent information within the XXXX business days required by law and confirm in writing once the block is in place. If you need additional information, feel free to contact me at the number or email above. Sincerely, XXXX XXXX XXXX : - Copy of ID - Proof of address - Police/FTC Identity Theft Report - Written statement of fraud - Screenshots of inaccuracy Please verify this account or delete. XXXX is not considered Validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In reviewing my credit reports, I discovered multiple accounts and multiple hard inquiries that was fraudulently opened in my name. These accounts include 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.These are the result of identity theft. I submitted an FTC Identity Theft Report ( Report # XXXX ) and mailed dispute letters to all three credit bureaus EquifaxXXXX XXXX XXXX XXXX along with copies of supporting documents ( government-issued ID, social security card, address verification, and breach notification ). Despite providing this evidence, the accounts remain on my credit report, negatively affecting my credit profile. I requested deletion within 4 days under the Fair Credit Reporting Act and have not received a resolution. I am requesting that these accounts be permanently removed and that the companies be held accountable for continuing to report fraudulent information after being notified of the theft.

Company response to consumer: Closed with non-monetary relief