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

Complaint narrative:
To the Consumer Financial Protection Bureau : My name is XXXX XXXX, I am filing this formal, escalated complaint against Experian due to their repeated and willful failure to permanently resolve a severe " Mixed File '' error on my credit report. This recurring issue, which has been disputed and supposedly corrected six times in the last XXXX years, shows a clear and negligent breach of the Fair Credit Reporting Act ( FCRA ). 

The Inaccurate Information : My Experian file is continually being merged with the credit history of an unrelated consumer, causing significant financial and emotional distress. This error includes : Incorrect Name/Alias : The name/alias XXXX  XXXX is repeatedly attached XXXX my personal information. 

Fraudulent Accounts : Multiple credit card accounts are incorrectly attributed to me, primarily accounts furnished by XXXX XXXX XXXX and XXXX XXXX. These accounts appear, are disputed, are deleted, and then repeatedly reappear. 

Evidence of Experians Failure ( FCRA Violation ) : Repeated Reinsertion : I have initiated disputes for this exact, inaccurate information on six separate occasions. Each time, the information was temporarily deleted, but subsequently improperly reinserted onto my file. This pattern is a direct violation of Experian 's FCRA obligation to maintain accuracy and prevent the re-reporting of previously deleted data. 

Dispute Documentation : I have retained the unique report numbers associated with these six failed disputes, including : - Report number : XXXX, resolved at XX/XX/XXXX - Report number : XXXX, resolved at XX/XX/XXXX - Report number : XXXX, resolved at XX/XX/XXXX - Report number : XXXX, resolved at XX/XX/XXXX - Report number : XXXX, resolved at XX/XX/XXXX - Report number : XXXX, resolved at XX/XX/XXXX - I have opened another dispute report today ( XX/XX/XXXX ) Furnisher Confirmation : I have personally contacted the creditors ( XXXX XXXX XXXX and XXXX XXXX ) whose accounts are being inaccurately reported. Both institutions have confirmed that these accounts do not exist under my legal name or Social Security Number. Experian is therefore actively reinserting information that is directly contradicted by the source furnisher 's own records.

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint because the three major credit reporting agencies have repeatedly failed to correct inaccurate information on my credit reports and have not provided the required method of verification after my disputes. I submitted a dispute more than 35 days ago and multiple prior disputes before that. The disputed tradelines and inquiries remain on my reports and the bureaus have not provided documentation or a clear description of how those items were verified as required by the Fair Credit Reporting Act. 

Disputed accounts and items still reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries that remain unverified or unjustified XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXX Legal basis for this complaint 15 U.S.C. 1681i requires credit reporting agencies to conduct a reasonable reinvestigation and to provide a description of the method of verification when requested. 
15 U.S.C. 1681e requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy.

The bureaus have failed to provide the method of verification, the documentation relied upon, or the full contact information for the furnishers who allegedly verified these items. 

Harm suffered Continued reporting of inaccurate or unverified information has harmed my creditworthiness and may cause denial of credit, higher interest rates, and other financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-10-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
COMPLAINT TO CFPB AGAINST PORTFOLIO RECOVERY ASSOCIATES Account Number : XXXX To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX Date : XX/XX/XXXX Subject : Dispute of Collection Account Reported by Portfolio Recovery Associates XXXX for XXXX Dear CFPB, I am filing this complaint against Portfolio Recovery Associates ( PRA ) concerning a collection account being reported on my credit file under account number XXXX. 

Background : The account in question was opened on XX/XX/XXXX and is being reported as a collection account with a balance of {$740.00} as of XX/XX/XXXX. The original balance also shows as {$740.00}, and the terms are listed as 1 Month. The account is marked as " potentially negative '' and is scheduled to remain on my credit report until XX/XX/XXXX. 

The account shows a consistent collection status month-over-month, from XX/XX/XXXX through XX/XX/XXXX, yet no payments are listed, and I have not received adequate notification, debt validation, or any recent collection activity directly from Portfolio Recovery Associates XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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:
These are not my accounts ; they should be taken off within 15 days in line with USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I submitted a formal dispute letter to Experian on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Experian has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. 
Experian has therefore failed to conduct a reasonable reinvestigation as required by law 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 explanation
Consumer complaint received 2025-10-09 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: VA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-10-09 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: VA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
This is an inaccurate account and should be deleted promptly. I never approved it. Documentation is provided.

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 2025-10-09 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:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused signiled similonvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-10-09 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: KS

Complaint narrative:
I am filing this complaint because my credit report with TRANSUNION contains inaccurate personal information, including unauthorized name variations and invalid addresses, that I did not authorize, provide, or recognize. I am a victim of identity theft and have submitted a valid FTC Identity Theft Report, along with my identification, Social Security, and proof of current address to support my claim. 

My only legal name is XXXX XXXX XXXX, as it appears on my Social Security Card ( see proof attached ). No other name variation is valid or authorized to appear on my credit profile. 

My only correct and current address is XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, KS XXXX ( proof attached ). Any other address different from this one is inaccurate, no longer associated with me, and must be permanently removed from my credit file.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), credit bureaus are required to maintain maximum possible accuracy in the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), unverifiable or incorrect information must be deleted. I am formally demanding that you update and correct my personal information to reflect only accurate and verifiable data as required by law..

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 2025-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Omnipoint Capital
State: PA

Complaint narrative:
Omnipoint Management Solutions texted my husbands phone XXXX regarding a debt of mine, giving specific details about the debt and threatening a law suit. He is not on this account nor was his contact information shared with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Opened an account with BMO Harris via phone on XX/XX/year>. A day later they ask for identification that was already provided due to suspected fraud. They then ask for me to show up in branch else account will be closed, but none are in my state. Willing to answer requests to send my opening {$25.00} deposit back. 

As of XXXX they still not have sent me a check.

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 monetary relief
Consumer complaint received 2025-10-09 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: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/XXXX, XXXX airline tickets were purchased from XXXX totaling {$6200.00} ( each costing {$3100.00} ). On XX/XX/XXXX, both tickets were cancelled on XXXX XXXX website after consulting with their policy as well as the XXXX Department of Transportation rule of cancelling tickets within XXXX hours and receiving a full refund. Prior to cancelling, I tried to contact XXXX to verify I would receive a full refund ; however, their call queue was so long that it would not accept anyone else to wait and disconnected. I also tried to chat with a representative on the website ; however, that too had too many customers waiting. XXXX thus only refunded the taxes and fees which totaled {$310.00} for both tickets. When purchasing a ticket on XXXX 's website, it clearly states, FARE IS FULLY REFUNDABLE WITHIN XXXX HOURS AFTER RESERVATIONS AND TICKETING DATE. '' The interpretation I have of this is XXXX hours after the DATE of the ticket and since my ticket was purchased on XX/XX/XXXX and cancelled on XX/XX/XXXX, I should receive a full refund. XXXX stated to Citibank that it needed to be cancelled within XXXX hours of the actual time purchased. Even though it was pointed out that their rules differ from this, XXXX will not refund the remaining balance. 

XXXX disputes were created with Citibank on XX/XX/XXXX, but they could not resolve the issue with XXXX. Additional documentation was provided by me to Citibank on XX/XX/XXXX clearly showing that the rule state FARE IS FULLY REFUNDABLE WITHIN XXXX HOURS AFTER RESERVATIONS AND TICKETING DATE '' ; however, XXXX would not honor it.

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 2025-10-09 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: NY

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX Cash app locked my account over using The word XXXX in my subject line. 
It was a personal funny between the receiver of the money. I usually send money twice a mouth the this person for rent. Cash App on XXXX XXXX XXXX Reached out requesting explanation of said word in subject line, an since not responded to me. 
Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation