vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 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: NY

Complaint narrative:
I am submitting this formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent accounts that remain on my credit report despite my repeated disputes and submission of legally sufficient documentation. The accounts in 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 were opened fraudulently and are the result of identity theft. I provided Experian with a government-issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA 605B . Despite this, Experian failed to block the fraudulent information within four business days, as required by law. Furthermore, Experian has violated FCRA 611 ( a ) by failing to conduct a proper reinvestigation of my dispute within the 30-day statutory window. I also requested full disclosure of all information used to verify the disputed accounts, as permitted under FCRA 609 ( a ) ( 1 ) ( A ), but Experian has not provided this information.

These failures constitute both negligent and willful noncompliance with the FCRA, entitling me to damages under 616 and 617.

I am demanding the immediate and permanent deletion of the fraudulent accounts listed above. I also request full documentation of any investigation conducted, including the identity of the furnisher, the method of verification, and the date of response. Additionally, I am seeking monetary damages totaling {$2500.00} : {$1000.00} in actual damages for financial harm and emotional distress, {$1000.00} in punitive damages for willful noncompliance, and {$500.00} for legal expenses incurred in pursuing this complaint. I do not consent to electronic communication and request that all correspondence be sent via USPS mail. For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint. I respectfully request that the Consumer Financial Protection Bureau take enforcement action to ensure Experians compliance with federal law and to prevent further harm to consumers like myself

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 2025-09-08 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: PA

Complaint narrative:
I am filing a complaint to dispute the current reporting status of a charge-off account that is listed as Profit and Loss Write-Off or Charge-Off on my credit report. I would like to clarify that no IRS Form XXXX has been issued for this account, indicating that the debt has not been formally forgiven or canceled. According to IRS regulations, if a creditor cancels a debt of {$600.00} or more, they are required to issue a Form XXXX to both the consumer and the IRS. 
Please remove the following Charge off Accounts XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} The absence of a XXXX suggests that the debt has not been officially canceled, and therefore, the creditor XXXX still be attempting to collect. However, continued negative reporting without actual collection efforts or formal cancellation XXXX be considered misleading and damaging to my credit standing.

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 2025-09-08 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-09-08 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I am a XXXX XXXX. As part of the XXXX bankruptcy distribution, I received cryptocurrency that was deposited into my XXXX  account. XXXX  is currently blocking my ability to withdraw these assets to my own crypto wallet, and the responses Ive received from their support have been inadequate. 

On multiple occasions, when I attempted to withdraw, XXXX system automatically declined my transactions. Customer support admitted in writing ( screenshot attached ) that : The declines are due to their automated system raising a security flag. 
I did nothing wrong to trigger this. 
XXXX  staff can not override the automated declines. 
Their only guidance was to hope one day I can transfer.

This effectively denies me access to my funds indefinitely. 

In other instances, XXXX  allows me to withdraw only small daily amounts ( around {$1400.00} per day ) while blocking larger transactions. Because of this arbitrary cap, I am forced to make repeated small transfers, paying blockchain network fees each time. These unnecessary costs directly reduce the value of my XXXX distribution. 

XXXX  has also suggested that the fastest way to access my funds would be to sell the crypto on their platform and withdraw USD to my bank. This is not an acceptable alternative, as I am entitled to receive and custody my crypto assets without being forced to liquidate. 

Why I am filing this complaint : XXXX  is arbitrarily and inconsistently restricting access to my crypto assets. 
Their automated security system blocks legitimate transactions with no appeal process. 
Their imposed $ XXXX/day withdrawal cap is not aligned with their published limits and causes financial harm by increasing transaction fees. 
Their only suggested solution ( selling my crypto for USD ) deprives me of the asset I was legally distributed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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:
I am following up on my prior complaints regarding inaccurate and unverifiable items being reported on my credit file. Despite my earlier submissions, I have not received confirmation of action taken or any update regarding the status of my disputes. As a consumer, I am entitled under FCRA 611 ( a ), 15 U.S.C. 1681i ( a ), to a reasonable reinvestigation and resolution of disputed information. The continued presence of these items is causing ongoing harm to my credit profile and financial opportunities.The accounts and inquiries I am again disputing are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$490.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Received nothing in the mail. It has now been XXXX  days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
b'I would like to remove misspelled names, old addresses and old accounts as soon as possible.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: NY

Complaint narrative:
I am submitting this formal complaint against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent accounts that remain on my credit report despite my repeated disputes and submission of legally sufficient documentation. The accounts in questionXXXX 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 XXXX fraudulently and are the result of identity theft. I provided Equifax with a government issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA 605B. Despite this, Equifax failed to block the fraudulent information within XXXX business days, as required by law. Furthermore, Equifax has violated FCRA 611 ( a ) by failing to conduct a proper reinvestigation of my dispute within the 30-day statutory window. I also requested full disclosure of all information used to verify the disputed accounts, as permitted under FCRA 609 ( a ) ( 1 ) ( A ), but Equifax has not provided this information. These failures constitute both negligent and willful noncompliance with the FCRA, entitling me to damages under 616 and 617.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
Co

mplaint Against National Credit Systems FCRA/FDCPA Violations for Inaccurate Reporting & Ignored Validation Requests To Whom It May Concern, I am filing this complaint against National Credit Systems for serious violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). National Credit Systems is reporting inaccurate information on my credit report regarding an apartment complex where I have never lived. I have repeatedly informed them that this debt is not mine, and I have requested : Validation of the alleged debt as required by 15 U.S.C. 1692g ; and Proof of licensure to collect debt in the state of Pennsylvania. Both requests were completely ignored. Despite my disputes, the company continues to report false and harmful information, violating 15 U.S.C. 1681s-2 ( b ) ( furnisher duty to investigate and correct inaccurate information ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: MI

Complaint narrative:
I sent Experian my FTC report and my license. I have fraudulent accounts reporting o my consumer report.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: MI

Complaint narrative:
I had this truck for a year I been wanting to get out this truck since I had it got in a car accident not a fault but on my birthday not today but last year on the date thats when I thought the car just was bad luck so I just kept the car but I didnt want it been paying my lease car note whatever with no problem and still been coming out of pocket paying for the repairs on the car bc there was problems after problem asked over and over to get out this truck I have everything most of it but I just need a good lawyer bc this will be a good lawsuit I believe and hope so this is crazy XXXX XXXX XXXX XXXX XXXX  gave me a lemon car not worth the money XXXX to pay off put more in that in a year with it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this formal complaint against Equifax for unlawful reinsertion of a previously deleted fraudulent account into my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ). The account in questionXXXX XXXXXXXX XXXX XXXX XXXXwas previously removed following my identity theft dispute, for which I provided a valid FTC Identity Theft Report and supporting documentation. Equifax has now reinserted this account without notifying me within five business days and without obtaining the required certification from the furnisher, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This constitutes a clear violation of the FCRA and has caused me emotional distress, reputational harm, and unnecessary hardship.

Equifaxs actions reflect willful noncompliance with the law, entitling me to statutory damages under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), as well as punitive damages under 1681n ( a ) ( 2 ) for reckless disregard of my rights. I am demanding monetary compensation in the amount of {$1500.00} {$1000.00} in statutory damages and {$500.00} for emotional distress and reputational harm. I also reserve the right to pursue additional punitive damages as permitted by law. This complaint is supported by my formal dispute letter dated XX/XX/year>, which is attached and serves as legal notice of Equifaxs violation and my demand for immediate corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: MA

Complaint narrative:
My credit information was impacted by the breach Equifax had conformed this information and the engagement number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-09-08 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: CITIBANK, N.A.
State: CA

Complaint narrative:
My ex-husband fraudulently opened a Citi XXXX XXXX credit card under my name without my knowledge or consent, and had it mailed to his apartment in XXXXXXXX CA, where he currently lives and works. We have been physically separated since XX/XX/year>. I reside in XXXX, CA, while he moved to XXXX, and his current address now appears on my credit report ... along with this unauthorized Citi credit card account. 

This {$500.00} limit card was actively used from XX/XX/year> to XX/XX/year>, and unpaid, resulting in my credit score dropping over XXXX points in XXXX. I have taken screenshots of all reports showing these entries and account activity. 

At the time, I was and still am under Chapter XXXX bankruptcy, which legally prohibits me from opening new credit. My improving credit score ( reaching XXXX ) likely triggered the approval, but this card was never authorized by me. 

He has a strong credit profile and was previously approved for over {$10000.00} on a Citi XXXX credit card. A {$500.00} limit account is clearly not consistent with his credit capacity, further indicating he used my name and credit profile. This is financial retaliation during our divorce. 

He had access to all my personal data from our previous joint tax filings, and I believe he used that knowledge to impersonate me. 

I have : All paper evidence Credit report screenshots Call logs with Citibank Proof of my address and his address Documentation showing the account was never authorized Despite my numerous attempts to resolve this with Citibank, they refused to help me because I am not the primary account holder even though I am the victim of identity theft. 

I am requesting CFPB assistance to : Investigate this fraud Help me close the fraudulent Citi account Repair my credit Hold Citibank accountable for failing to protect victims of identity theft involving intimate partners

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 2025-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Debt collector appeared on my credit report. I never received notice of the debt ( Letter, email, etc )

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Leafy Financial, LLC
State: MO

Complaint narrative:
Have contacted me about a debt that is wrong as well as ignored my wishes to stop contacting me. Have took a step father and have contacted multiple relatives as well as threatened to contact my place employment and current employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: CA

Complaint narrative:
Nothing just said report stays as is when I paid bill in full XXXX XXXX. Full Amount {$20000.00}

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 2025-09-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: CA

Complaint narrative:
My husband and I were on a lease together but after our divorce the judge decreed that hed pay for my housing expenses since I have the kids. However he failed to make the monthly payments I was unaware until I started getting calls and letters saying I owed them. I have the court papers saying he was in charge of paying the rent and car payment but the debt collection agency says Im still liable for paying the debt.

Company response to consumer: Closed with non-monetary relief