vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was never late on this account. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: AZ

Complaint narrative:
This letter serves as an addendum to my previously submitted dispute regarding the collection account being reported by XXXX XXXX XXXX XXXX, originally from XXXX XXXX XXXX XXXX, under the account number XXXX. 

I am formally restating that I do not recognize or owe this debt, and I have been attempting to obtain proper validation from XXXX XXXX XXXX no response. 

Specifically : I have contacted XXXX XXXX XXXX by phone on multiple occasions, requesting validation of the alleged debt. 

I have sent a request by mail twice, including one certified letter with proof of signature and delivery confirmation. 


Despite these repeated and documented good-faith efforts, XXXX XXXX XXXX XXXX has failed to provide any documentation or evidence to validate this debt or demonstrate that I am legally responsible for it. This failure is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA 611 ) and the Fair Debt Collection Practices Act ( FDCPA 809 ). 

Because XXXX XXXX XXXX has failed to validate the debt after multiple requests and well over the legally allowed time frame, I am demanding that Experian immediately delete this account from my credit report. Continuing to report a debt that has not been validated is inaccurate, unfair, and unlawful. 

Thank you for your prompt attention to this matter. I expect this account to be removed without further delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX, a collection company, currently has filled collections on my credit report. However after disputing it numerous times against the credit bureaus, it seems to not be deleted off my TransUnion & Experian, but IT DID get deleted off XXXX. 

I have tried contacting the collection agency numerous times for " validation '' reporting but I can not get a response or " proof '' from them! When I try disputing against Experian or TransUnion they tell me the collection agency has " validated '' it but under federal law 15 U.S. Code 1681i they MUST show me that...

This is UNFAIR!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: SC

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I am writing to formally dispute an unauthorized charge made to my account by your facility. I signed up for a free trial with ALDOUS AND ASSOCIATES on XX/XX/year>2024, under the clear understanding that it was a no-obligation, no-charge trial period. I did not agree to or authorize any further membership, nor did I return to the gym or sign any membership contract. 

Despite this, I recently discovered that my account was charged XXXX XXXX and was sent to collection. This charge is improper and unauthorized. 

I respectfully request that this charge be immediately refunded and that my account information be removed from your billing system. I am also requesting a written confirmation that my account has been fully canceled and that no further charges will be made. 


Please contact me XXXX XXXXXXXX you need any additional information to process this request. 

Thank you for your attention to this matter. I hope we can resolve it quickly and professionally

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NY

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I contacted Experian and Equifax in regards to the addresses reporting through their credit agency. They refuse to delete the addresses reporting after explaining to their that I've never lived at those addresses. After providing the correct address they still refuse to delete the addresses and report correctly like 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 2025-07-28 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: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened 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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

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, 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: MA

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, 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 explanation
Consumer complaint received 2025-07-28 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
iI DONT HAVE ANY VERBAL OR CONTRACT AGRREEMENT WITH PORFOLIO RECOVERY. REQUEST PROOF OF SIGN CONTRACT WITH THIS COMPANY THIS IS A CLEAR FTC VIOLATION CODE 15 USC 1681S-2, UNDER FCRA 15 U.S.C.A 1681i OR FCRA 15 U.S.C. 168 1 b If it is found that there is no evidence of this debt under my name then I demand that PORTFOLIO RECOVERY. and financial institutions be made aware or a complaint will be filed to the respective local or federal agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Fraudulent Charges Case Numbers XXXX & XXXX they first denied the claim the first day with out telling me why so after a long wait i was told to file it again and i did and also sent it to cfpb and then they replied that they denied it cause the card chip was used, it was my phone number use to activate card, if they would have read the info i never said i did not get the card, i did activate the card but while was in the hospital my card was being used with out me knowing, i already sent documents proving i was in hospital on the dates of the charges, they still just used the easy way to once again brush this aside and not look into it. stop with being lazy and either return my money or do your job and look into this and not just take the easy way out. this is not going away until i get my money back and will end up in court if needed and its only going to cost you alot more when you lose and with all my proof i will win. stop XXXX  people out of their money you people are lazy,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I am a victim of identity theft involving CashNetUSA. A fraudulent loan was opened in my name without my knowledge or consent. I never applied for or authorized this account. After discovering it on my credit report, I attempted to resolve the matter directly with CashNetUSA. 

I contacted their fraud department and requested they investigate and remove the account. Despite my good-faith efforts, CashNetUSA refused to take appropriate action, and failed to remove or correct the fraudulent loan. Due to their refusal, I filed an official FTC Identity Theft Report to formally document the situation. 

CashNetUSAs inaction has caused significant emotional distress, including anxiety and concern for the damage to my credit and financial standing. Their unwillingness to act responsibly has only made the effects of this fraud worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights 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 2025-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENOVA INTERNATIONAL, INC.
State: NY

Complaint narrative:
I am filing a complaint regarding an account reported by XXXX XXXX XXXX on my XXXX  credit report. 

This account has already been removed from my XXXX  and XXXX  reports, which confirms it is either inaccurate or unverifiable. However, XXXX  continues to report it, which is unfair and inconsistent, and violates the Fair Credit Reporting Act ( FCRA ). 

The furnisher has not provided any documentation or mailed a written notice verifying this account. Under federal law, this account must be removed immediately if it can not be verified. I am requesting that this account be permanently deleted from TransUnion without delay. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights 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 2025-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
My mother passed away on XX/XX/year>. I notified the company of her death in late XXXX. They advised me that they needed her death certificate, short certificate, and a letter of intent to get information. I received the short certificate in XXXX. I have faxed this information over to citizens bank multiple times. No one is able to confirm if they have received this information. The response I keep receiving is that I need to be patient and it takes 7 to 10 days but can take up to 14 days to process. The mortgage is two months behind and Ive been receiving certified mail at my mothers house as well as someone coming and dropping something off at her door. Ive tried to call on multiple occasions like I said I get nowhere. Other than being told. I have to wait. I have tried to make a payment online however it will not allow me to do so. I have tried to make two phone payments and it has said the system is busy.When I called today, I asked to speak to a supervisor and was told that a supervisor would not speak to me. This has been the only company to give me a hard time and caused me more pain and suffering throughout this process. I would appreciate if somebody could reach out to me to help me cure this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : EXPERIAN XXXX CRED  XX/XX/XXXX Experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I would like all the pending credits from XXXX XXXX, Bank of America and XXXX to refund all of the money via XXXX, wire transactions and ACH. XXXX XXXX swapped my cell phone and doesnt want to take responsibility of this matter when they even sent me a letter stating my phone is compromised and to check all accounts. Everyone is lying and Bank of America needs to own up for authorizing all of these fraudulent transactions.

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 2025-07-28 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Relay Financial (US), Corp.
State: WA

Complaint narrative:
On XX/XX/year> I deposited two checks from US Department of treasury. These two checks were to be deposited into a business account that is held at relay financial institution. I have received an email from relay compliance to request more details to complete the deposit.

The document requirements that they have requested was a tax documents and account info. Neither of these documents are able to be provided. There are no tax filings for this transaction. There are no additional documents that came with the checks from the US Department of treasury. Email communication has continued with no progression and funds were frozen into the account.

On or around XX/XX/XXXX, requested funds or checks to be released for me to be able to deposit into another financial institution. Relay compliance has responded, saying that I can not remove the checks from a deposit or remove the funds and the accounts will remain frozen until documentation is provided.

Company response to consumer: Closed with explanation