vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I desperately need my credit. Someone else is using my credit from what it looks like. I need a computer. I had two XXXX computers stolen on XX/XX/year> have police report. I need a computer and I pay my bills on time. Please help I cant keep living like this. I applied for a progressive leasing .I cant lease yet I work own my own home paid it cash own my one sports car and only have one credit card that I want to keep below 20 % usage then I come across progressive leasing showing four credit companies denying me

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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This company allowed false reporting after I keep supplying court documents showing that this account is fraudulent and you keep allowing it to remain on my credit and failing to investigate properly this needs to be removed from my credit immediately artisan mills is showing collection

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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
.I had reached out to the company Lvnv concerning these multiple collections that t hey are disputing and placing on my credit reports I have explained that all of these accounts was put in consolidated with National debt relief and I make payments every month, also that all of the original creditors was aware and in agreement to work with me and National debt, due to my medical issue and my disability.i informed the company Lvnv that their reporting is not accurate, because some of these accounts has been paid in full or settled and paid. Also asked them to contact National debt relief for accurate updates on all of these collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XXXX XX/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 2025-08-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
The company has been listed on my credit report nor authorized to go on my report. I do not owe any debt from this company. Please remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Consumer Financial Protection Bureau Complaint Submission Complainant : XXXX XXXX XXXX XXXX XXXX : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Failure to Comply with FCRA 605B Improper Handling of Identity Theft Dispute and Refusal to Block Unauthorized Inquiries Background and Facts On XX/XX/2025, Equifax issued a dispute response under Confirmation XXXX XXXX regarding my formal identity theft complaint. In my original dispute, I submitted a cover letter, FTC Identity Theft Report, proof of identity, and proof of residence, requesting the removal of fraudulent inquiries from my file pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). Specifically, I disputed and sought blocking of the following unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TN XXXX XX/XX/2025 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SD XXXX Despite providing all documentation required by 605B ( a ) ( 1 ) ( A ) ( C ), Equifax issued a form response asserting that inquiries are a factual record of file access and will remain on the Equifax credit file two years from the reported date of the inquiry. Equifax did not block or delete these fraudulent inquiries, nor did it provide evidence of any reinvestigation tailored to my identity theft claim. 

Violations of Law Failure to Block Information Resulting from Identity Theft 605B ( b ) ( 1 ) : The statute requires Equifax to block reporting of information identified by the consumer as resulting from identity theft within four business days after receiving : ( i ) proof of identity, ( ii ) an identity theft report, and ( iii ) the identification of disputed information. I provided all three. Equifax failed to comply with this statutory mandate.

Improper Reinvestigation 611 ( 15 U.S.C. 1681i ) : Equifaxs response demonstrates no reasonable reinvestigation. Rather than conducting an individualized inquiry, Equifax issued a blanket assertion that inquiries are factual records and refused to evaluate the identity theft evidence. Courts have consistently held that a CRA may not discharge its duties by parroting the furnishers response or issuing form denials.

Failure to Provide Required Description of Reinvestigation 611 ( a ) ( 6 ) ( B ) ( iii ) : Equifaxs letter did not provide the method of verification, nor the business name, address, and telephone number of the furnisher, despite my entitlement to this information under 611 ( a ) ( 6 ) ( B ) ( iii ).

Continuing Harm : As a direct result of Equifaxs unlawful refusal to block fraudulent inquiries, my credit file continues to show unauthorized access events that are the product of identity theft. These inquiries are damaging to my creditworthiness and may impair my ability to obtain credit and financial services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifaxXXXX XXXX XXXX XXXX XXXXSubject: Request for Investigation and Removal of Inaccurate Information in Credit Report\n\nDear Equifax,\n\nI am writing to dispute certain inaccurate and/or incomplete information contained in my credit report as per my rights under the Fair Credit Reporting Act (FCRA). Upon reviewing my credit file, I have identified the following information that is either incorrect or incomplete and should be deleted immediately to ensure the accuracy of my credit report.\n\nAccount Information to Be Disputed:\n* Creditor Name: XXXX Account Number: XXXX Description of the Inaccuracy: inaccurate or incomplete information, such as incorrect balance, wrong dates, fraudulent account, or outdated information.\n\nUnder the FCRA, you are required to ensure that the information reported on consumers is accurate and complete. If you are unable to verify the accuracy of the information in question, it must be deleted from my credit file. I request that you investigate this matter promptly and correct or remove the inaccurate information. \n\nPlease provide me with written confirmation that the investigation has been completed and the necessary corrections have been made.\n\nEnclosed are copies of credit report highlighting the errors  and proof of identity which serve as evidence to support my claim.\n\nI expect to receive a response within the 30-day timeframe, as required by the FCRA, confirming the removal or correction of the disputed information.\n\nThank you for your prompt attention to this matter. I look forward to your response and to a swift resolution.\n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXEnclosures: copies of credit reports, account statements, etc.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NOTICE OF INTENT TO SUE - Repeated Reporting of Inaccurate Information in Violation of the FCRA - Account No. XXXX To Whom It May Concern : This letter serves as a formal dispute and a pre-litigation notice concerning your company 's repeated and willful violation of my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. 
Your company is reporting an account, Account XXXX. XXXX as " charged off '' with a balance of {$590.00}. This reporting is not only inaccurate and misleading but constitutes a pattern of illegal conduct. Specifically : * Inaccurate Balance Reporting : A charge-off signifies that you have written off this debt as a loss for accounting purposes. Yet, you continue to report a balance. This is deceptive and misleading, as it does not accurately reflect the current status of this account, especially if the debt has been sold or the balance is unverifiable. 
* Illegal Re-aging of Debt : My credit report shows a pattern of you reporting this account as " charged off '' for multiple consecutive years. This repeated monthly reporting of " CO '' is a clear and illegal attempt to " re-age '' the debt, making it appear as a new delinquency and thereby extending the statutorily mandated 7-year reporting period. This is a willful violation of 15 U.S.C. 1681c ( FCRA Section 605 ).

Please be advised that this repeated reporting of inaccurate information is a violation of 15 U.S.C. 1681s-2 ( a ) ( the furnisher 's duty to report accurate information ) and 15 U.S.C. 1681s-2 ( b ) ( the furnisher 's duty to investigate after receiving a dispute from a consumer reporting agency ). 
I demand that you : * Immediately cease all reporting of this account to any and all consumer reporting agencies. 
* Immediately instruct all consumer reporting agencies ( Equifax, XXXX, and XXXX  ) to delete this inaccurate and time-barred account from my credit file. 
* Provide a complete and itemized accounting of this debt, including the original contract, proof of the alleged balance, and a full payment history from the date of the original delinquency. 
Failure to comply with this demand within 15 days of your receipt of this letter will leave me no option but to file a lawsuit against your company for willful and/or negligent violations of the FCRA. Such a lawsuit may seek statutory damages of up to {$1000.00} per violation, as well as actual damages, attorney 's fees, and court costs. 
Consider this my formal notice. I have retained a legal team and am prepared to proceed with litigation should you fail to fully comply with my demands. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I am writing to formally lodge a complaint regarding your companys repeated and harassing collection calls concerning an alleged debt in the amount of {$310.00}. Last reported on XX/XX/year>. 

On prior occasions, I explicitly advised your representatives to cease contacting me by telephone in connection with this debt. Despite this clear notice, Credit Collection Services has continued to make repeated calls, in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

This continued contact after my written and verbal request constitutes harassment and an unlawful attempt to collect a debt through prohibited means. I am hereby reiterating, in writing, that all telephone communications to me regarding this alleged debt must stop immediately. You may only contact me in writing at the mailing address listed above. 

If these violations continue, I will have no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. I also reserve the right to pursue legal remedies available under federal and state law, including statutory damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required XXXX business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The company is willfully furnishing false, inconsistent, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 168XXXX, and XXXX XXXX reporting standards. The tradeline contains contradictory dates, account statuses, and payment histories across the credit reporting agencies, creating a materially inaccurate consumer file. I have made multiple written requests for verification in compliance with FCRA 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under FCRA 616 and 617, which entitles me to statutory, actual, and punitive damages.

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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The company is willfully furnishing false, inconsistent, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 168XXXX, and XXXX XXXX reporting standards. The tradeline contains contradictory dates, account statuses, and payment histories across the credit reporting agencies, creating a materially inaccurate consumer file. I have made multiple written requests for verification in compliance with FCRA 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under FCRA 616 and 617, which entitles me to statutory, actual, and punitive damages.

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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax has breached my information and I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts / information reporting to my credit report. The remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: MO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rightsXXXX under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc.
State: LA

Complaint narrative:
I tried requesting the description of reinvestigation procedure according to 15 usc 1681i ( 7 ) states if requested by consumer, this must be provided within XXXX  days in order to be in compliance with FCRA GUIDELINES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Collection Services, Inc. (OK, TX)
State: OK

Complaint narrative:
XXXX XXXX {$560.00} I hired XXXX XXXX XXXX to help me repair this collection, as well as other ones. Unfortunately, I was also a scam victim who got stuck in debt when I asked to dispute them from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, The company Cashapp decided to freeze my account due to a fraud incident. The issue was when my mother sent me {$11.00} to pay me back for a cuban sandwich with the description being. Cashapp then flagged the {$11.00} transaction as fraud and sent me an email to give them all of the details of the transaction. I explained it was not sent to help any foreign nation/government sanctioned by the U.S as that was their main concern. They never responded to my email so i contacted cashapp support multiple times and got the same people reading the same script and having no update on when the problem will be resolved. My account with over {$2000.00} USD has been frozen now for over XXXX  days, Cashapp policy says legal action may be taken if it takes them more than XXXX  days to fix the problem over XXXX  days with such a large amount of money being frozen is unacceptable and i need this problem resolved ASAP. I highly recommend not using cashapp as a banking service as this seems to be a reoccurring issue with many users. I have been continuously contacting cashapp at least XXXX  a week and have still not heard anything new.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: MO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rightsXXXX under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CO

Complaint narrative:
On XX/XX/year> I attempted to activate my prepaid XXXX gift card to get access to the full {$200.00} balance. This was a gift to me from a friend, so I do not have purchase information such as a receipt. I was advised by XXXXXXXX XXXXXXXX that the card is frozen due to a " fraud flag ''. They instructed me to send my personal information, photo of the card, and a photo of my drivers license to their fax number XXXX. It did not feel right that I would need to give them so much personal information to gain access to a card that was gifted to me. Upon researching this company I found several complaints of fraud from people who forwarded this information to prepaidgiftbalance.com. Any assistance you can provide would be greatly appreciated.

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