vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. My Equifax report contains numerous fraudulent accounts and unauthorized inquiries that I did not initiate. The presence of this information violates my rights under the FCRA and Florida state law. This serves as my official statement under FCRA 605B, confirming these items are fraudulent. The inquiries are the direct result of identity theft under Florida Statute 817.568. 

Fraudulent Accounts to be Removed : XXXX XXXX XXXX ( Account : XXXX, Opened Date : XX/XX/XXXX ). 
XXXX XXXX XXXX ( Account : XXXX, Opened Date : XX/XX/XXXX ). 
XXXX XXXX XXXX ( Account : XXXX, Opened Date : XX/XX/XXXX ). 
XXXX XXXX XXXX ( Account : XXXX, Opened Date : XX/XX/XXXX ). 
XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Date : XX/XX/XXXX ). 

Unauthorized Hard Inquiries to be Removed : I did not authorize any of the following credit 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am disputing the accuracy and completeness of the following accounts and inquiries. These items do not reflect my actual payment history or contain incomplete information, and I am requesting a full reinvestigation. 

Charged-Off Accounts XXXX XXXX XXXX XXXX  Account # : XXXX Date Reported : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX  Account # : XXXX Date Reported : XX/XX/XXXX Balance : XXXX Inquiries XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
As of XX/XX/year>, account ending in XXXX, has been completely paid off. I have asked capital one to remove this account from my credit report and reflect it has been paid off. This has not happened. 


According to USC 15 1681 I have the right to dispute inaccurate and unverifiable information thats on my credit report. I disputed multiple times with the credit bureaus and its coming back verified without a proper investigation. The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the original contract bearing my signature and explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
What happened : I made a purchase using Cash App, but I never received the goods. I filed a dispute with Cash App regarding this unauthorized or incorrect transaction. Cash App told me the investigation could take up to 45 days. Today is Day XX/XX/year> and the dispute is still open with no decision and no provisional credit. I did not receive any email updates, explanations, or documentation from Cash App about the status of my case. 

I contacted support and they informed me the case was denied, but they did not provide the reason for the denial. They said the case would be sent to a specialty team, but I still have not received any written explanation or evidence. 

I am filing this complaint because Cash App has not resolved my dispute within the regulatory timeframe, has not provided the required written notice explaining their decision, and has not issued a provisional credit while continuing the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX  ] [ XXXX NY XXXX ] [ XX/XX/year> ] XXXX  XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Information - FCRA Section 611 To Whom It May Concern : I am writing to formally dispute inaccurate and unverifiable information on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ).

My credit report file number is : [ Insert your file number if you have it, otherwise omit this line ] The following item is being disputed. The information provided is internally inconsistent and does not meet the standards of accuracy and integrity required by the FCRA. 

Account in Dispute : Creditor Name : AVANT LLC/XXXX XXXX Account Number : XXXX Disputed Amount : {$920.00} Reasons for Dispute : XXXX. Illogical and Inconsistent Reporting of Dates : The account is listed with a " Date opened '' of XX/XX/year>. However, the payment history shows the account was reported as 30 days late in XX/XX/year>. It is logically impossible for an account to be delinquent four months before it was even opened. This fundamental inconsistency renders the entire account history unreliable and unverifiable.

2. Inaccurate " Past Due '' Reporting on a Closed Account : The status of the account is listed as " Closed '' and " Charged Off, '' yet it also states " {$920.00} past due as of XX/XX/year>. '' Once an account is charged off and closed, it can not have a continuing monthly " past due '' amount. The balance should be reported as a fixed charged-off amount. This reporting is misleading and inaccurate.

3. Failure to Conduct a Proper Reinvestigation : The comment on my report states, " Completed investigation of FCRA dispute - consumer disagrees. '' This indicates a previous dispute was not
resolved. The FCRA requires you to conduct a reasonable reinvestigation. The clear and obvious errors I have outlined were not corrected, which is a violation of my rights.

Under Section 611 of the FCRA, you are required to conduct a prompt and reasonable reinvestigation of these disputed items. If the information can not be verified, you must delete it from my file. 

Furthermore, I demand that you provide me with the description of the procedure used to determine the accuracy and verifiability of the information, including the business name and address of any furnisher contacted, as required by the FCRA. 

Please investigate this matter and correct or delete the inaccurate information immediately. 

Sincerely, XXXX XXXX XXXX :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am disputing the following inaccurate information being reported by TransUnion. Please reinvestigate and correct or remove any unverifiable information. 

Charged Off Accounts XXXX XXXX, Account XXXX, XX/XX/year>, Balance {$7600.00} This information appears inconsistent with reporting from other bureaus and may be inaccurate or duplicated. I request verification and correction. 

Inquiries No inquiries listed for TransUnion. 

Late Payments XXXX XXXX, Account XXXX This late payment is inaccurate and requires reinvestigation.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing the information below due to inconsistencies, unverifiable reporting, or unfamiliar inquiries. I request a complete investigation. 

CHARGED-OFF ACCOUNTS ( None listed ) INQUIRIES XXXX XXXX XX/XX/year> XXXX XX/XX/year> LATE PAYMENTS XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX These late payments may be inaccurately reported and need complete verification.

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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Unifin Inc.
State: VA

Complaint narrative:
They called me on XX/XX/XXXX, XXXX on XX/XX/XXXX, on the XXXX, twice on the XXXX, on the XXXX and on the XXXX. On the XXXX I went to their website and requested a verification letter. Their representatives have been rude when they have called me and have hung up on me each time. Today, XX/XX/XXXX, I called to request they stop calling and to let them know I had asserted my rights to a verification letter. Their employee, XXXX XXXX, was belittling, claimed people who requested letters generally knew they owed a bill, denied the company bought the dept, insisted I tell him my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I requested assistance since XX/XX/XXXX all the way through XXXX for identity, theft and assistance with a specialist that wouldve provided me step-by-step guidance and help all the way through as stated in their voice hold automation information stating that if we go through identity theft, well get a specialist to help us all the way through. They will even contact the police for us and navigate anything. We need to navigate to have done. I have uploaded documents. I have uploaded police report reports and I have received no assistance throughout this entire time. They said someone called me and they hung up. They never called me back and I am still to this day trying to get help for identity theft in which now I am locked out because they want a {$24.00} payment for the subscription that they just refunded before I could gain access to the account again now with identity theft protection I shouldve had a free subscription for a year, but the departments do not know how to work together to navigate this and fix and correct the issues on their end to have clearly communicated together and communicate between each others departments without having to transfer me 15 times this is not fair. Its not appropriate to be locked out of your account for almost a year and from there I do not believe their call center should be outsourced overseas. There should be no. That deal with American personal banking or credit information outsourced overseas a problem here is that a credit card said that my card was closed. They closed it because they could and theres nothing I could do from there. They gave it to a debt collector sold it to a debt collector the debt collector got my personal information XXXX XXXX XXXX got it from Experian. Experian turned around and gave it to them at XXXX XXXX XXXX in which XXXX XXXX XXXX outsources two third-party countries as in XXXX I was scolded by someone in XXXX over my report of somebody stealing my identity and {$76000.00} from me in XXXX and he told me they were good people. They dont do that and that Im just avoiding my problems. Thank you Experian for giving the same people in the same area of XXXX XXXX my identity information again now I want my credit fixed and I want everything removed from that file immediately. ticket number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I requested assistance since XX/XX/XXXX all the way through XXXX for identity, theft and assistance with a specialist that wouldve provided me step-by-step guidance and help all the way through as stated in their voice hold automation information stating that if we go through identity theft, well get a specialist to help us all the way through. They will even contact the police for us and navigate anything. We need to navigate to have done. I have uploaded documents. I have uploaded police report reports and I have received no assistance throughout this entire time. They said someone called me and they hung up. They never called me back and I am still to this day trying to get help for identity theft in which now I am locked out because they want a {$24.00} payment for the subscription that they just refunded before I could gain access to the account again now with identity theft protection I shouldve had a free subscription for a year, but the departments do not know how to work together to navigate this and fix and correct the issues on their end to have clearly communicated together and communicate between each others departments without having to transfer me 15 times this is not fair. Its not appropriate to be locked out of your account for almost a year and from there I do not believe their call center should be outsourced overseas. There should be no. That deal with American personal banking or credit information outsourced overseas a problem here is that a credit card said that my card was closed. They closed it because they could and theres nothing I could do from there. They gave it to a debt collector sold it to a debt collector the debt collector got my personal information XXXX XXXX XXXX got it from Experian. Experian turned around and gave it to them at XXXX XXXX XXXX in which XXXX XXXX XXXX outsources two third-party countries as in XXXX I was scolded by someone in XXXX over my report of somebody stealing my identity and {$76000.00} from me in XXXX and he told me they were good people. They dont do that and that Im just avoiding my problems. Thank you Experian for giving the same people in the same area of XXXX XXXX my identity information again now I want my credit fixed and I want everything removed from that file immediately. ticket number 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 2025-11-24 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: MI

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am disputing the following entries due to incorrect balances, duplicate reporting, wrong dates, and accounts that do not belong to me. I request a full reinvestigation and removal of any unverifiable data. 

CHARGED OFF ACCOUNTS ( EX ) 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 INQUIRIES ( EX ) XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXXXXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( multiple dates ) XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( multiple dates ) XXXXXXXX XXXX XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( multiple dates ) XXXX XXXX XXXX ( multiple dates ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( multiple dealerships/dates ) XXXX XXXX XXXX ( multiple dates ) XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXXXXXX XXXX ( multiple dates ) LATE PAYMENTS ( EX ) XXXX XXXXXXXX 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 2025-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: CITY NATIONAL BANK
State: CA

Complaint narrative:
To whom it may concern, I am submitting a formal complaint regarding the conduct of XXXX XXXX ( XXXX # XXXX ), who provided materially false information during a refinance inquiry, resulting in wasted time, improper expectations, and financial loss. 

During my initial conversations with XXXX XXXX, he explicitly represented that because we had reinvested our HELOC funds into the property, our refinance would qualify as a rate-and-term refinance. This representation was the basis for our decision to proceed, collect documents, and prepare the extensive materials he requested. 

After spending significant time compiling documentation, I later learned that this information was incorrect. Both XXXX XXXX and XXXX misrepresented the qualification criteria, and the refinance would not be treated as rate-and-term as he had assured us. This is a textbook example of a bait-and-switch tactic, as we were induced to move forward based on false information that materially affected the loan structure. 

As a direct result of this misrepresentation, we spent XXXX hours preparing financial documents and disclosures under the belief that the information provided to us was accurate. Our household income is approximately {>= $1,000,000} annually, equivalent to $ XXXX ( based on XXXX annual work hours ). The time wasted based on XXXX XXXX false assurances totals {$3600.00}. 

I am requesting that a reimbursement check in that amount be issued payable to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I also want to note that despite this negative and avoidable experience, I still intend to refinance with a more competent and transparent lender within your company in the future. It is extremely disappointing that XXXX XXXX failed to provide accurate information or perform his role with the level of diligence expected from a licensed mortgage professional. 

Please confirm receipt of this complaint and provide a timeline for resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation