vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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:
There are like 4 credit cards that were not mine and opened fraudulently, I have disputed these cards on my credit report at least 3 times but everytime they are removed, the debt gets transferred to another collector after a while and it get put back on my report as a collection 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 2025-11-11 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: MI

Complaint narrative:
Greetings, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: GA

Complaint narrative:
I disputed several inaccurate accounts with Experian and submitted a signed and notarized affidavit with supporting evidence. Experian began my dispute on XX/XX/year>, which triggered the XXXX reinvestigation requirement under the Fair Credit Reporting Act ( FCRA ). Experian did not complete the reinvestigation within the legal deadline, did not provide any reinvestigation results, did not provide the XXXX of XXXX, did not provide any documents used to verify the accounts, did not add required dispute notations, and did not rebut my notarized affidavit with stronger evidence. Despite missing the XXXX deadlinewhich requires deletion under FCRA XXXX XXXX a ) ( XXXX ) ( A ) Experian is still reporting the disputed accounts. 
I am also submitting an audio recording titled Method of Verification Experian XXXX in which an Experian representative states that Experian does not have to provide a Method of Verification. This statement directly contradicts FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ), which require Experian to provide a description of the procedure used to verify disputed information. The recording confirms that Experian is misinforming consumers, failing to follow federal law, and failing to maintain reasonable procedures under 1681e ( b ) and 1681i.I recorded the call lawfully under XXXX one-party consent laws. 
XXXX actionsand failureshave resulted in continued reporting of inaccurate and unverifiable information, harm to my creditworthiness, denial of financial opportunities, and emotional distress. Their refusal to comply with federal law and mishandling of my dispute constitutes negligence and reckless disregard for consumer rights.

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 2025-11-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-11 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: TX

Complaint narrative:
We received these inquiries without prior alert, and their approval status is uncertain. Kindly review the attachments.

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 2025-11-11 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: FL

Complaint narrative:
My credit report shows late payment entries that I believe are incorrect. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, all information on my report must be accurate, complete, and verifiable. I am requesting verification of these late payment records, and if they can not be substantiated, I ask that they be promptly corrected or deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
Cash App wrongfully closed my account without providing a clear reason or proper documentation. They have continued to withhold my funds despite multiple support requests. My account closure happened around XX/XX/year>, after a period where I was dealing with XXXX  stolen phone issue. I recovered my phone and attempted to restore access, but Cash App locked the account. 

Cash App told me my case was sent to a specialty team, but for months I have only received generic responses with no final resolution and no timeline. They refuse to provide any documentation explaining why my account was closed or showing any investigation results. 

I used Cash App for personal and business activity, including sales, marketplace income, and dog-walking services. Because they froze my access to my funds and customers, I lost business revenue and important consumer payments. 

I have multiple unresolved transactions and withheld funds, including at least {$900.00} from recent activities, and potentially more because I have no visibility into my account balance or history. This has caused financial hardship including inability to meet basic needs for my family, missed payments, and stress affecting my home and relationships. I lost income opportunities and trust in this financial service. 

Cash App has not complied with required disclosures regarding account closure and funds access. I am requesting full release of my money, documentation explaining their decision, investigation records, and compensation for the financial harm and lost business caused by delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: FL

Complaint narrative:
Good day, I hope you're well. Accounts below are the subject of this letter. This is on my credit report and affects me greatly. Identity theft compromised my identification, thus these accounts appear on my credit record. Because they are not mine and I shouldn't be responsible for something opened without my knowledge, these accounts are really bothering 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 non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-11 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-11 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: AL

Complaint narrative:
I am writing to formally dispute inaccurate information regarding certain accounts that have been reported to the credit bureaus. Below are the accounts I believe to be incorrect, and I am requesting your assistance in investigating and correcting them. 
TransUnion ( TU ) Charged-Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX  ( XXXX ) : XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: IN

Complaint narrative:
My credit report shows late payment entries that I believe are incorrect. Under 15 USC XXXX ( b ) and 15 USC XXXX, my report must include only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be thoroughly verified, and if they can not be confirmed, that they be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: CA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
b"I have been a dedicated member of my local PNC branch in XXXX XXXX. I have noticed that there has been some unauthorized activity on my account and has caused me financial distress. I as a consumer have brought this to their attention and the matter has not been solved to this date. I plan to file a XXXX XXXXmpliant as well. I entrusted this bank with my life savings and to manage my household funds to reconcile my records and discover that my money has not been placed in the account as deposited. One can only assume an employee at the bank has mismanaged my funds. The amount of $XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX; I have been more than patient with the banking institution to investigate and return my funds and haven't been successful besides on provisional credit on another account that I noticed foul play"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-11 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: NV

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX, XXXX XX/XX/year> To Whom This May Concern, On XX/XX/year>, I sent you a letter requesting copies of the following documents. 
-Agreement that you have authority to collect on this alleged debt. 
- Agreement that bears signature of the alleged debtor with promises to pay the original creditor. -Complete payment history on this account, to prove that the amount you wish to collect is correct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX As of this day listed on this letter, I have not received anything back from you. I have recently pulled my credit report and noticed that there is still a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I have the right to request the validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed this party who is contractually bound to pay off this debt or stop collection activity on my credit report and completely remove it all together. I hope your legal staff will agree that noncompliance with this second attempt will result in legal trouble for your company. 





Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: WI

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates LLC is attempting to collect a debt allegedly owed to XXXX Bank that resulted from identity theft. I did not open or authorize the account in question and therefore am not responsible for this debt. 

I am the victim of identity theft and have already filed an official identity theft report with the appropriate authorities. I have notified both XXXX Bank and Portfolio Recovery Associates of the fraudulent nature of the account and provided copies of my identity theft report and supporting documentation. 

Despite this, Portfolio Recovery Associates has continued to attempt to collect this debt. These actions violate consumer protection laws, including : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Section 1692e prohibits false or misleading representations in connection with the collection of a debt, and 1692f prohibits unfair or unconscionable collection practices. Attempting to collect a debt known to result from identity theft violates both provisions.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Section 1681c-2 gives consumers the right to have fraudulent information blocked from their credit report upon submission of an identity theft report. Section 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know is inaccurate. 

Portfolio Recovery Associates continued collection efforts and possible credit reporting of this fraudulent account have caused significant distress and could negatively impact my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Central Research Inc
State: MA

Complaint narrative:
FCRA violations. 1681eb, 1681a1a, 1681s-2a1a, 16811a5a. 1681ca4, 1681n, 1681o .. this account was paid in fulll then transferred to a new company I do not know. says it was not a collection but I received no notification of any payments I owed until a 90 day late showed up on my reports. but none of the data supports the late payment in fact the timeline does not match as well as all data does not match. all reporting different information damaging my credit worthyness

Company response to consumer: Closed with explanation