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: EQUIFAX, INC.
State: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent

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: Paypal Holdings, Inc
State: MO

Complaint narrative:
Venmo has frozen my account and requested i send my ID. 
i have done so and XXXX  days since then they still can not tell me why my XXXX dollars is being held. I transferred out the XXXX they permitted in the week that it occurred but they have in their sole possession the remaining XXXX and i have no way to get to my money nor have they been able to tell me why after multiple calls XX/XX/year> XXXX XXXX i called and received the same info. some account manager is the only person that can help and they are not permitted to communicate via any method other than email. They have only emailed me the initial time when they asked for my id. nothing else has happened in the XXXX  days since they contacted me. This is predatorial banking and i would like punitive and actual reimbursement of my funds please.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
Acima has sent a collection company named XXXX to collect a debt But both companies refuse to give me the supposedly the debt amount or when I owed such debt. A guy named XXXX XXXX keeps calling threatening to call all my family friends and leave msgs also after he has verified who I am he continues to call I have voice-mails of him stating He know all the residences I live in ( I've been in the same address XXXX ) Acima or any company can not tell me what I owe they just want my money Acima never sent XXXX receipts Nothing by mail stating such debt I've called numerous times and they say We don't have any info on you. So just pay any amounts they want XXXX

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: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Essentially, there were XXXX credit cards that were opened up in my name with XXXX. I have reported both of these as fraud, as I did not open these credit cards. There is an individual that has opened multiple credit cards and bank accounts in my name. Every other bank has been able to resolve this issue with me, EXCEPT for XXXX! I have filed a police report against the individual that fraudulently opened up all the credit cards and bank accounts and have since taken extreme precautions to secure my accounts, personal information, credit information, and mail. I have also filed an identity theft report with the Federal Trade commission. I have reported this fraud with these credit cards to XXXX and have provided everything they have asked for. However, I have been working on this for over a year now and it is still not resolved. I report the cards and XXXX says they will " conduct an investigation '' and then they close out the investigation a couple days later each time and when I call, I am told that the investigation team did not review any of the documents I sent and is holding me liable still. I have gone through this process MANY MANY times and this needs to actually be taken seriously and resolved. 
I keep being told that my documents are being found as insufficient but I am also being told that I have submitted exactly what they have asked for and that nothing else is needed. When I ask what more they need me to submit since they keep saying the documents I have provided are insufficient, I get told that they do not know and there seems to be nothing else for me to provide or submit. It is clear that this matter is not actually being handled or reviewed properly. I have been told that I need to email my documents to XXXX, which I have, and I have been told to mail them, which I have, and I have been told to fax them, which I attempted multiple times but their fax is down and does not accept faxes. Every time I call, I get told that the XXXX XXXX will handle this matter, but no one ever calls me or follows up. 
I have multiple documents I can provide that I have provided to XXXX as well.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this statement as a consumer to dispute inaccurate and unauthorized information being reported on my credit file by Equifax, Experian, and TransUnion. The following items are being reported in error and are causing harm to my credit profile. I am requesting a full investigation and deletion of these items from each respective bureau if the information can not be verified with complete accuracy and proper documentation. 

Charged-Off Account Creditor/Collection Agency XXXX XXXX XXXX  Account Number XXXX XXXXXXXX Date Reported XXXX XXXXXX/XX/XXXX Year of Alleged Account XXXX XXXXXXXX Statement : This account is being reported inaccurately. I have no record or knowledge of this debt, and I have never received validation or documentation proving this account belongs to me. I am disputing the accuracy and validity of this charged-off entry. Please verify the complete documentation from the original creditor, including signed agreements, payment records, and charge-off details. If full verification can not be provided, I request that this item be deleted immediately from my credit file. 

Inquiries XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX : These inquiries were not authorized by me. I did not give consent or submit any application that would permit these companies to pull my credit report. Please remove these unauthorized inquiries as they were not initiated or approved by me.

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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XXXX HAS COMPLETELY DESTROYED MY CREDIT RATING BY IMPROPER REPORTING OF MY PAYMENT HISTORY. MY DISPUTE TO THEM IS AS FOLLOWS : At this time, I dispute the delinquent payments reported on my credit bureaus by this company. The payment history is not accurate, as I could never have been XXXX late twice without ever being XXXX late XXXX. I respectfully request a complete review of my payment history and the deletion of all delinquent payments altogether. I have always made my monthly payments within the XXXX grace period. PLEASE DELETE AFTER REVIEW ALL LATE PAYMENT HISTORY!!!

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the unauthorized hard inquiries across the XXXX bureaus that appear on my credit report. 

Experian - XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax - XXXX XXXX - XX/XX/XXXX TransUnion - XXXX XXXX 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 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX https : XXXX Subject : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX XXXX XXXX Bank Account Dear Sir/Madam , I am submitting a formal dispute regarding the reporting of an account by XXXX XXXX XXXX XXXX XXXX ( XXXX ) that contains inaccurate and unverifiable information in violation of the Fair Credit Reporting Act ( XXXX U.S.C. XXXX et seq. ) and the Fair Debt Collection Practices Act ( XXXX U.S.C. XXXX et seq. ). 

Account Details : Creditor/Collector : XXXX XXXX XXXXXXXX XXXX XXXX. 
Original Creditor : XXXX Bank C/O XXXX  Account Number : XXXXXXXX XXXX XXXX Balance : {$3600.00} Date Opened : XX/XX/XXXX Reported Status : Collection / Past Due Legal Violations Identified Inaccurate Dates ( FCRA XXXX ( b ), XXXX ( b ) ) The account lists a Date of First Delinquency ( XX/XX/XXXX ) that precedes the Date Opened ( XX/XX/XXXX ), which is a clear factual inconsistency violating accuracy requirements under federal law. 

Unverified and Misclassified Debt ( FCRA XXXX ( XXXX ) ; FDCPA XXXX ( b ) ) XXXX has failed to provide documentary evidence of the original account, payment records, or legal transfer of ownership from XXXX Bank XXXX Reporting an unverified balance violates the FDCPA validation requirement. 

Ongoing Reporting During Active Dispute ( FCRA XXXX ( a ) ( XXXX ) ( A ) ) Despite active disputes noted by Experian and Equifax, the account continues to report as Placed for Collection, which constitutes inaccurate and incomplete reporting during a reinvestigation period. 

Demand for Action Under the provisions of FCRA XXXX, XXXX and FDCPA XXXX ( b ), I respectfully demand that the Consumer Financial Protection Bureau : Require XXXX XXXX XXXXXXXX XXXX  and all credit reporting agencies to cease reporting this account until they provide verifiable documentation proving the debt and its lawful assignment. 

Remove or correct all inaccurate information, including inconsistent dates and classifications. 

Confirm in writing that the investigation has been completed and the disputed information has been removed or corrected as required by federal law. 

Enclosed are copies of my credit reports highlighting the disputed entries. Please acknowledge receipt of this complaint and advise on the next steps for resolution. 

Thank you for your time and attention to this serious matter. 

Sincerely, XXXX XXXX

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

Complaint narrative:
On XX/XX/year> XXXX, I sent money to a friend through cashapp not knowing she had made a new cash app account. She had a new cash app account because she could no longer access her old account due to losing her old phone, now she has a new phone & new number. So i asked support to help me get my money back and they said the recipient would have to call them to figure it out. The recipient then calls them so they can help her log back into her old cashapp account but they needed a bank account from her, which she doesnt have, she just used cashapp and their cashapp card. And that was it, cash app said there was nothing else they could do for us. I have {$120.00} just sitting in her old cashapp account that was never linked to any other bank.

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: AR

Complaint narrative:
I am disputing several items being reported on my Equifax credit report that appear to be inaccurate or unverifiable. I request a full reinvestigation under the Fair Credit Reporting Act ( FCRA ) and removal of any items that can not be verified. 

XXXX Accounts in Dispute XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX, XXXX : {$180.00} Both accounts are reporting as charged off, but I have no record of these being properly validated or settled. Please provide verification from the original creditors or remove these entries if they can not be confirmed. 

Late Payments in Dispute XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not agree with the late payment history being reported. I request validation of the payment dates and correction or deletion of any inaccurate entries. 

Thank you for reviewing and updating my report accordingly.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to file a dispute regarding inaccuracies on my credit reports from Equifax, XXXX, and XXXX. Please find below the details of the accounts in dispute : The following accounts on my Equifax report are being disputed as they contain inaccuracies or incomplete information. 

Charged Off Accounts XXXX XXXX  Account Number : XXXX Date Opened : XXXX Balance : {$850.00} XXXX  XXXX Account Number : XXXX Date Opened : XXXX Balance : {$0.00} Late Payments : XXXX XXXX XXXX Account Number XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
OneMain Financial Attn : Compliance or Tax Reporting Department XXXX XXXX XXXX XXXX. 
XXXX, IN XXXX Subject : Request for Confirmation or Copy of Form 1099-C ( Cancellation of Debt ) I am requesting written confirmation of whether OneMain Financial has filed or intends to file IRS Form 1099-C ( Cancellation of Debt ) in relation to account number ending in [ 9577 ]. 

My credit report shows this account as a charge-off, but there has been no confirmation of whether the debt was forgiven, sold, or cancelled. 

Under 26 U.S.C. 6050P, creditors are required to issue Form 1099-C to both the debtor and the Internal Revenue Service when {$600.00} or more of debt is discharged. 

Please advise in writing : Whether a 1099-C was filed, and if so, the date and amount of cancellation ; Whether the debt has been sold or transferred to another entity ; Whether the debt remains collectible.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
There have been 3 charges on my 5/3 XXXX all from the same merchant that are not recognized by me or my wife. The case # at the bank is XXXX and includes charges with XXXX XXXX XXXX XXXX ) for {$25.00} on XX/XX/year> and for {$39.00} on XX/XX/year>. The bank has denied my dispute because my card has an XXXX XXXX and was used at a chip-enabled card reader. Because the card was not lost or stolen, the bank can not determine if there was a fraudulent charge. 

The third charge with XXXX, XXXX was for {$57.00} on XX/XX/year>. I have not formally included this charge as a dispute until the first 2 are resolved. 

All of my research on the internet points to fraudulent activity. Possible type of business : mobile eating or business to business software which is not something I have purchased. There is reference to XXXX which means nothing to me. The only phone number I can find ( XXXX ) disconnects instantly.

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: MA

Complaint narrative:
I am writing to formally dispute certain accounts on my credit report that I believe contain inaccuracies. Below are the details of the accounts in dispute, separated by credit bureau. 
Charged-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX

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