vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
A collection account from your company has appeared on my credit report without any prior notification or communication from your office. This is the first I'm learning about this alleged debt, and I have significant concerns regarding its validity and accuracy. Under federal law, specifically the Fair Debt Collection Practices Act, I'm entitled to receive complete verification of any debt you're attempting to collect. I'm exercising my legal right to demand full documentation proving the legitimacy of this collection item and its associated details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I cant cancel my Experian subscription. 
Ive tried online, on the app and over the phone.

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 2025-10-31 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: CT

Complaint narrative:
I am writing to dispute inaccurate information on my TransUnion credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) 607 ( b ), I request that you conduct a full and thorough investigation into the following items, as they do not comply with Metro 2 compliance standards for accuracy.

Disputed Accounts : 1. Account Name : [ Insert Creditor Name ] Account Number : [ Insert Account Number ] Issue : [ Charge-off, Late Payments, etc. ] Dispute Details : The account has been inaccurately reported with a balance, payment history, or delinquency status that does not align with the account 's actual activity. I am requesting a complete investigation into this account for accuracy, particularly regarding the Date of First Delinquency ( DOFD ) and Account Status as per Metro 2 requirements.

2. [ Continue with additional accounts if applicable ]

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 2025-10-31 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: NY

Complaint narrative:
Dear Credit Bureau Representative, I am formally disputing the legality and accuracy of the following collection and charge-off accounts reported on my credit files, under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Pursuant to FCRA 1681b ( a ) ( 2 ) and 1681c ( a ), no entity may obtain or furnish my credit information without my explicit written consent. I have never granted written authorization to any creditor, collector, or third party to access, furnish, or report my personal information. Therefore, these accounts are unauthorized and must be removed unless you can provide valid, signed authorization documents. 

Accounts in Dispute : XXXX XXXX  XXXX Charge-Off ( Account # : XXXX ) XXXX XXXX Charge-Off ( Account # : XXXX ) XXXX XXXX XXXX Charge-Off ( Account # : XXXX ) XXXX XXXX XXXX 120-Day Delinquency ( Account # : XXXX ) XXXX XXXX Collection for XXXXXXXX XXXX XXXX XXXXXXXX ( Account XXXX XXXX XXXX ) XXXX XXXX XXXX Collection for XXXX XXXX ( Account # : XXXX ) XXXX XXXX ( Experian ) Charge-Off ( Account # : XXXX ) XXXX XXXX XXXX ( Experian ) Charge-Off ( Account # : XXXX ) XXXX XXXX  XXXX ( Experian ) Charge-Off ( Account # : XXXX ) Under FCRA 1681i ( a ), I demand a full reinvestigation within 30 days. If no signed consent or verified documentation is provided, you are required to delete all associated entries immediately.

Non-compliance constitutes a willful violation under FCRA 1681n, subjecting your agency to statutory damages. Please provide written confirmation and an updated credit report upon completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear Credit Bureau Representative, I am formally disputing the legality and accuracy of the following collection and charge-off accounts reported on my credit files, under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Pursuant to FCRA 1681b ( a ) ( 2 ) and 1681c ( a ), no entity may obtain or furnish my credit information without my explicit written consent. I have never granted written authorization to any creditor, collector, or third party to access, furnish, or report my personal information. Therefore, these accounts are unauthorized and must be removed unless you can provide valid, signed authorization documents. 

Accounts in Dispute : XXXX XXXX  XXXX Charge-Off ( Account # : XXXX ) XXXX XXXX Charge-Off ( Account # : XXXX ) XXXX XXXX XXXX Charge-Off ( Account # : XXXX ) XXXX XXXX XXXX 120-Day Delinquency ( Account # : XXXX ) XXXX XXXX Collection for XXXXXXXX XXXX XXXX XXXXXXXX ( Account XXXX XXXX XXXX ) XXXX XXXX XXXX Collection for XXXX XXXX ( Account # : XXXX ) XXXX XXXX ( Experian ) Charge-Off ( Account # : XXXX ) XXXX XXXX XXXX ( Experian ) Charge-Off ( Account # : XXXX ) XXXX XXXX  XXXX ( Experian ) Charge-Off ( Account # : XXXX ) Under FCRA 1681i ( a ), I demand a full reinvestigation within 30 days. If no signed consent or verified documentation is provided, you are required to delete all associated entries immediately.

Non-compliance constitutes a willful violation under FCRA 1681n, subjecting your agency to statutory damages. Please provide written confirmation and an updated credit report upon completion.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear Credit Bureau Representative, I am formally disputing the legality and accuracy of the following collection and charge-off accounts reported on my credit files, under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Pursuant to FCRA 1681b ( a ) ( 2 ) and 1681c ( a ), no entity may obtain or furnish my credit information without my explicit written consent. I have never granted written authorization to any creditor, collector, or third party to access, furnish, or report my personal information. Therefore, these accounts are unauthorized and must be removed unless you can provide valid, signed authorization documents. 

Accounts in Dispute : XXXX XXXX  XXXX Charge-Off ( Account # : XXXX ) XXXX XXXX Charge-Off ( Account # : XXXX ) XXXX XXXX XXXX Charge-Off ( Account # : XXXX ) XXXX XXXX XXXX 120-Day Delinquency ( Account # : XXXX ) XXXX XXXX Collection for XXXXXXXX XXXX XXXX XXXXXXXX ( Account XXXX XXXX XXXX ) XXXX XXXX XXXX Collection for XXXX XXXX ( Account # : XXXX ) XXXX XXXX ( Experian ) Charge-Off ( Account # : XXXX ) XXXX XXXX XXXX ( Experian ) Charge-Off ( Account # : XXXX ) XXXX XXXX  XXXX ( Experian ) Charge-Off ( Account # : XXXX ) Under FCRA 1681i ( a ), I demand a full reinvestigation within 30 days. If no signed consent or verified documentation is provided, you are required to delete all associated entries immediately.

Non-compliance constitutes a willful violation under FCRA 1681n, subjecting your agency to statutory damages. Please provide written confirmation and an updated credit report upon completion.

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 2025-10-31 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: GA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: GA

Complaint narrative:
Good day, Equifax. I am respectfully asking for your kind assistance in reviewing the information reported on my credit file. I am just a consumer sincerely trying to fix my credit and ensure that everything reported is fair and accurate under the Fair Credit Reporting Act ( FCRA ). 

Item in XXXX : XXXX XXXX Account XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA
State: WA

Complaint narrative:
I previously filed CFPB complaint # XXXXabout First National Bank of Omaha XXXX FNBO ). Since that file was closed, this matter has progressed to federal litigation : XXXX XXXX First National Bank of Omaha, Case No. XXXX ( W.D. XXXX ). FNBO was personally served XX/XX/XXXX and missed the XX/XX/XXXX response deadline. On XX/XX/XXXX, I filed a Request for Clerks Entry of Default ( NEF attached ). 

Im also correcting FNBOs XX/XX/XXXX statements to regulators : Arbitration AAA records show FNBO refused to comply/pay, preventing administration under its own clause. 
Adverse action Letters dated XXXX were mailed XX/XX/XXXX ( Easy Print scan ), indicating delayed notice. 
Credit reporting XXXX  alerted XXXX to over-limit reporting immediately after FNBOs drastic limit cut, despite a balance within the prior limit ( FCRA accuracy/retaliation concerns ). 

Requested outcome : Please link this to # XXXX, forward to FNBOs compliance/legal, and note the federal default posture. I request full tradeline correction and confirmation FNBO will cease adverse reporting tied to its adverse-action timing and limit-cut. I will forward the XXXX default entry or judgment when available.

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 2025-10-31 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: TX

Complaint narrative:
I respectfully ask Equifax to review the reporting of the following accounts, as I believe there are inaccuracies in how late payments are being reflected. I am a consumer simply trying to correct my credit and ensure that only fair and accurate information is reported under the Fair Credit Reporting Act ( FCRA ). 

Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: AZ

Complaint narrative:
Cash App is making it hard for me to get access to my account cuz i was trying to log in my account on a new device but not allowed and this is getting out of hand cuz i need my account, i was asked to provide some information that could verify its real me and i did but their response back shocked me cuz they they said my account was on processing and they will get back to me in XXXX business working days and Im not satisfied with the response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
I have been disputing a credit card with XXXX XXXX XXXX  since XXXX of XXXX  for fraud transactions on a card used in my name. This account has been removed from my credit report then place back on five times i have ask this account be blocked from being reported since i have file a FTC theft report and as well as a attorney general complaint with the XXXX  as well. At this point i am just tried and am turning it over to an attorney to file a lawsuit on all three credit bureaus and XXXX for reporting incorrect information on my credit report i have since over a USC 1581 form stating i didn't give anyone permission to run my credit or to share my credit.

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 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My XXXX Capital One accounts were restricted and charged off on the same day. XXXX account had a zero-dollar balance and was never activated or used it was a brand new account that hadn't even had the card mailed to me yet, and now it's claiming the debt for it is charged off to a third party when there is in fact no debt. The other account had a {$210.00} balance, which was fully paid with no late payments, no unauthorized transactions, no minimum payment due, and no breach of terms. I received no warning, no explanation, and no opportunity to resolve the issue. XXXXXXXX XXXX  website now refers me to XXXX XXXX XXXX, despite the fact that no debt exists. I believe this is a false charge-off, possibly due to a clerical error or misclassification. I am requesting a full account history, documentation explaining the reason for the charge-off/restriction, and immediate correction of any credit reporting or third-party transfer. This situation has caused unnecessary stress and reputational harm, and I expect a prompt resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: VA

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

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 2025-10-31 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2025-10-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
The debt was erroneously place on my credit randomly ive had debt deleted by XXXX XXXX and XXXX  via mail dispute as requested by credt bureaus. I submitted all the same documents to each bureau, but for some reason XXXX  will not honor my credit rights ive had the identity theft investigated they have the detectives name on the police report not just a uniformed cop

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
See attached documents Showing an accurate credit reporting also showing proof that XXXXXXXX XXXX XXXX is the server and is not the original owner of this debt and should not be reporting to credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
I AM ISSUING THIS FORMAL AND FINAL DEMAND FOR THE IMMEDIATE DELETION OF ALL INACCURATE, UNAUTHORIZED, AND DAMAGING ACCOUNTS, INQUIRIES, AND PUBLIC RECORDS FROM MY CREDIT FILE. THESE ITEMS ARE BEING REPORTED IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ). UNDER FCRA 605B, 607 ( B ), AND 611 ( A ), YOU ARE LEGALLY OBLIGATED TO MAINTAIN MAXIMUM POSSIBLE ACCURACY AND DELETE ANY UNVERIFIABLE OR ERRONEOUS INFORMATION WITHIN XXXX ( XXXX ) BUSINESS DAYS OF RECEIVING THIS NOTICE. ANY DELAY, NEGLIGENCE, OR CONTINUED REPORTING OF FALSE INFORMATION WILL BE CONSIDERED WILLFUL NONCOMPLIANCE AND A BLATANT VIOLATION OF FEDERAL LAW. BE ADVISED THAT I WILL PURSUE LEGAL ACTION UNDER FCRA 616 AND 617 FOR STATUTORY, ACTUAL, AND PUNITIVE DAMAGES. THIS IS YOUR FINAL WARNING DELETE ALL INACCURATE AND UNVERIFIABLE DATA IMMEDIATELY OR FACE LEGAL CONSEQUENCES.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Penn Credit Corporation
State: NY

Complaint narrative:
XXXX XXXX : Penn Credit Corporation. 

Last activity : XXXX Amount : {$810.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
For over 2 months Cash App has refused to provide any customer service whatsoever to resolve the issue with my debit card being declined everywhere I go. For approximately 2 months my cards hasnt worked ; despite carrying a balance in the account. I am demanding that cash app cease and desist from continuing to violate my consumer rights, and immediately resolve the issues pertaining to my unusable debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: IA

Complaint narrative:
With all due respect, I kindly ask TransUnion to conduct a thorough review of the following items. I am not a credit expertjust a consumer trying to ensure that the information being reported about me is fair, accurate, and complete. Please assist me in verifying each inquiry and late payment listed below. 

Inquiries to Be Reviewed : 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

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 2025-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: First Technology Federal Credit Union
State: MA

Complaint narrative:
Dear XXXX XXXX and Leadership Team, When I reviewed my credit report recently with my loan officer, I was surprised to see late payments reported on my account for my auto loan unfairly marked late on XX/XX/year> when i had relayed the messaged to your staff and i was told that they would've submitted a ticket to remove this XXXX isolated late payment off my credit report.... Again, I believe these reports are inaccurate, and unfair. At the time, I never received proper billing statements, and I was also dealing with personal and financial challenges that may have caused confusion with my account. My only thought also is that my monthly statement did not get to me. In some cases, my bank account access was restricted due to suspected activity, which may have prevented payments from being applied correctly. I never intentionally missed payments, and I dispute the accuracy of these negative entries.

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 2025-10-31 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: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: LA

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

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