vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: NC

Complaint narrative:
Experian has fail to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or univariable accounts unresolved. The Consumer Financial Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violated federal law and my rights as a consumer.

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 2025-07-10 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: VA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX is reporting a charge-off account on my credit report that contains false, misleading, and unverifiable information, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Here are the key problems : The payment history shows OK or on-time payments after the charge-off date, which is factually impossible and creates a materially misleading record of the account. 

The account continues to reflect a balance due, even though it was charged off. A charged-off debt that has been settled, sold, or otherwise resolved should not show as an outstanding balance. 

The account is not marked Closed Charged-Off as required. Instead, it may be incorrectly labeled as Open or Active, which gives a false impression of current obligation. 

Any payments made after the charge-off are not being reflected accurately. This is a direct violation of FCRA Section 623, which requires furnishers to report complete and accurate information. 

I previously disputed this tradeline with the credit bureaus, and it was simply marked verified yet no documentation or supporting evidence was ever provided, which violates the FCRAs requirement for a reasonable investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: AZ

Complaint narrative:
Cash app wont provide my information so I can get my money out of the account they closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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 do not have any public records on my report, and I kindly request, with urgency, that these inaccurate details be removed immediately. This is causing me XXXX, and I can not allow it to remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: VA

Complaint narrative:
NCB MANAGEMENT SERVICE is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB MANAGEMENT SERVICE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CCF Intermediate Holdings LLC
State: MD

Complaint narrative:
Non-stop robocall and financial advertising for loans. Ive taken screenshots showing that these calls come in dailysometimes XXXX times or moreand they often leave long, automated voicemails that completely clog up my inbox. As a realtor, my phone is essential for business, and missing calls could mean losing potential clients. But Ive gotten to the point where I hesitate to answer because Im worried its just another scam or robocall. Its frustrating, exhausting, and it's really starting to affect my ability to do my job ; which also affects my ability to earn money to pay bills and living expenses. I have been on the national do not call list since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX To Whom It May Concern, Subject : Dispute of Inaccurate Information on Credit Report under the Fair Credit Reporting Act ( FCRA ) I am writing to formally dispute the accuracy of a collection account listed on my credit report. The account in question is : Creditor Name : Plaza Services , LLC. Account Number : XXXX Reported Balance : {$2200.00} Date Last Reported : XX/XX/XXXX The reason I am disputing this account is because the information being reported is inaccurate and violates the Fair Credit Reporting Act ( FCRA ). Specifically, I am requesting a reinvestigation of this account because : I do not recognize this debt. I have not received proper validation of the debt. There may be errors in the amount, ownership, or reporting status. The furnisher has not provided supporting documentation that verifies the debts accuracy and completeness. I am requesting that this account be either validated or removed from my credit report. Under the FCRA, I have the right to dispute information I believe to be incorrect or incomplete, and the agency is required to investigate and respond within 30 days. Please provide written confirmation that you have received this dispute and that you have initiated an investigation. If the account can not be verified, I request that it be immediately deleted from my credit file and that I be provided with an updated copy of my report. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Regarding Collection Account Account Number ending XXXX  To Whom It May Concern, I am composing this letter to formally dispute the collection account reported under Account Number XXXX, which reflects a purported outstanding balance of {$540.00} attributed to XXXX XXXX XXXX. I wish to express my unequivocal assertion that this account has been inaccurately characterized, potentially infringing upon my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

As outlined in Section 809 of the FDCPA, I am entitled to request documentation that validates any debt claimed against me. Therefore, I hereby request comprehensive verification, including original account statements, payment history, and any agreements related to this alleged debt. 

In the absence of substantive validation and a satisfactory response to my request, I will be compelled to seek corrective measures to ensure equity and compliance with the law. Your prompt attention to this critical dispute is necessary to avoid further complications. 

I appreciate your cooperation in resolving this matter and anticipate your swift response with the requisite documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX, an personal credit card account opened at XXXX XXXX on XX/XX/XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, and a personal loan opened at XXXX XXXX on XX/XX/XXXX, a auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud..

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 2025-07-10 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:
These accounts were created without my knowledge or consent, and I should not be accountable for them. I urge you to take swift steps to correct this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
This letter serves as a formal dispute of a hard inquiry reported on my credit file. I never authorized the inquiry nor had any dealings with the entity listed. This unauthorized access is a serious violation of my rights under federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/XXXX, at approximately XXXX XXXX., I received a push notification indicating a charge of {$69.00} to my Navy Federal Credit Union XXXX XXXX ending in XXXX. I immediately recognized this charge as unauthorized, as I did not make or authorize this transaction. My credit card was in my sole possession at the time of the charge and had not been out of my custody. 

Upon discovering the unauthorized charge, I promptly contacted Navy Federal Credit Union at XXXX to report the fraudulent activity. During this call, I informed the representative that the card had remained in my possession and expressed my uncertainty as to how the charge occurred. The representative suggested the possibility of the card information being compromised via a card reader. Out of an abundance of caution, I requested the cancellation of not only the affected card but also another associated Navy Federal Credit Union card. 

Navy Federal Credit Union subsequently conducted an investigation and determined the charge to be valid. I respectfully requested a re-review of their findings. To support my claim that the charge is not legitimate, I have provided screenshots from my XXXX XXXX account. These screenshots clearly show that there has been no activity or charges on my XXXX account since XX/XX/XXXX. Additionally, one of the attached screenshots confirms that the credit card in question was stored within my XXXX account 's payment methods. 

I believe it is possible that an individual with access to XXXX XXXX ' systems may have used my stored card information to make this unauthorized charge. It appears the charge of {$69.00} may be for a XXXX XXXX XXXX, which I am not a member of and did not authorize, and you can see from the screenshots. 

I have not yet directly contacted XXXX XXXX, as I was unsure of the information they would be able to provide without further investigation into the transaction details. However, I intend to reach out to them to seek resolution. 

I firmly maintain that I am not responsible for this {$69.00} charge, as it was neither initiated nor authorized by me. I am seeking assistance from the Consumer Financial Protection Bureau to resolve this dispute and have the fraudulent charge removed from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: AL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-10 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: AL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
I have an account on XXXX XXXX.... One of my friends ask me if i have an XXXX Account for she ask some payment from her boyfriend to her IRS fees... i told my friend that i have an XXXX account but they can use sending her bf to my account thru wired transfer so that the XXXX XXXX  knows the info of the sender not thru ACH to avoid issues ... they did send the amount of XXXX thru wired transfer and i received it the next day.... after i received the money i gave it to the girlfriend.... after a week the guy is calling the XXXX XXXX  to let his money refunded and the XXXX representative called me on this matter... i told them the money that was sent thru wired is already gave to her girlfriend and i asked the bank why? ... the XXXX XXXX  didn't elaborated much they just told me don't worry sir we will investigate further... so i investigate by myself on the girl what happened why her boyfriend wants a refund, then i found out they have personal problems ... and they want to end their relationship... so on the time i called the XXXX XXXX  and tell them everything what happens ... they told me that i will get back my account the following week by Tuesday but i got their decision by now XX/XX/year>2025... and they just closed my account for violating the agreement... i asked myself what did i violate? Their decision is based on Chex System Inc report ... this Credit reporting agency which is the Chex System is abusing their authority to report to the banks that's the reason I can't open a new account ... i requested on their reports before i think that was 4-5 years ago .. that there's a lot of their reports that i don't even know ... many banks that i opened a new account, i don't know what to do before and i didn't do anything because i don't know how to dispute ... now i am experiencing issues for i can't open a new account for my direct deposit on my employer because of CHEX SYSTEM, INC bad reports to me.... hope u can help me fix these CHEX System reporting, thanks.

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 2025-07-10 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: MS

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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