vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: NY

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 explanation
Consumer complaint received 2025-11-06 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 disputing the following item ( s ) on my credit report under EXPERIAN : CHARGED OFF BANKRUPTCY - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ( Please verify the reporting of this bankruptcy under the correct category and its accuracy. ) INQUIRIES INTERNAL REVENUE SERVICE - Date of Inquiry : XX/XX/XXXX ( Please verify the legitimacy of this inquiry and its impact on my credit report. ) POSITIVE No positive accounts listed under EXPERIAN. 

LATE PAYMENT XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please review the payment history for accuracy and verify that the reported late payments are correct. )

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 2025-11-06 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:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: IL

Complaint narrative:
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email Address 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 2025-11-06 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: GA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-06 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$11000.00} Account name XXXXXXXX XXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$22000.00} Account name DEPT OF ED Account number XXXX Account type XXXX XXXX Date opened XX/XX/XXXX Balance {$6000.00} Account name DEPT OF ED Account number XXXX Account type XXXX XXXX Date opened XX/XX/XXXX Balance {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: FL

Complaint narrative:
I am very frustrated to see that unauthorized inquiries are still appearing on my credit report this morning. I can not understand why these inquiries remain even after I refreshed my browser. Please review the documents I provided right away so this issue can finally be resolved once and for all.

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 2025-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I checked my credit report on XX/XX/year>. I notice Portfolio has enter negative remark on my report. Preventing me to get new credit and lowering my credit score. They have damaged my credit score with an non-validated information.

Portfolio is know for this type of activity. They should not be allowed to be an collection, they employee are rude. And I have never purchased anything from them to owe them money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at DEPT OF ED on XX/XX/XXXX under the account number XXXX, and a collections account opened at DEPT OF ED on XX/XX/XXXX with a balance of {$2400.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US 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 2025-11-06 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:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if th
ey date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without 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 2025-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: SC

Complaint narrative:
I previously filed a complaint about this same issue, and Cash App acknowledged it but failed to resolve it. They have now stopped responding entirely. My {$500.00} in bitcoin stays locked within my account. And Cash App has not provided any reason or timeline for release despite completing all the verification steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Citizens allowed duplicate and multiple fraudulent charges on my account. I called Sunday XX/XX/XXXX about a scam text message from Citizens. I requested that the card be deactivated and a new card to be sent. The representative XXXX told me to wait and I had peace of mind. XX/XX/XXXX Citizens allowed XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX charges totalling XXXX to clear my account. Normally duplicate charges are automatically frozen for fraud. They also reimburse the duplicate charge automatically. They didn't refund any of the charges and are investigating fraud. This policy was charged and I was never notified.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
After reviewing my Experian credit report, I found multiple accounts that continue to be reported inaccurately and without verification, even after several previous disputes. These include accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Despite my repeated disputes and written requests for reinvestigation, these items continue to appear on my credit file with no supporting documentation or validation from the furnishers. 

For example, XXXX XXXX XXXX is reporting a collection account allegedly originating from XXXX XXXX, but they have failed to provide any legal documentation proving ownership or assignment of the debt, which is required under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ). XXXX XXXX XXXX is reporting a charge-off with inconsistent balances and missing documentation proving the charge-off date or balance accuracy, violating the Fair Credit Reporting Act ( FCRA 607 ( b ) ). XXXX XXXX XXXX has not produced any lease agreement, itemized statement, or proof of liability related to the amount reported. XXXX XXXX XXXX continues to report a collection from XXXX XXXX without providing any validation, and XXXX XXXX XXXX XXXX reports multiple late payments on an account that was already paid and closed, which is both inaccurate and misleading. 

I have already filed multiple disputes directly with Experian, but the bureau continues to verify these items without providing any details about how or with whom the information was verified. This repeated failure to investigate properly violates FCRA 611 ( a ), which requires credit bureaus to conduct a reasonable and lawful reinvestigation and delete any information that can not be verified. The continued reporting of inaccurate and unverified data is causing damage to my credit profile and demonstrates willful noncompliance with federal consumer protection laws.

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 2025-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I paid a debt collector on XX/XX/XXXX, known as Resurgent Capital Services or LVNV Funding for a debt in the amount of {$850.00}. As of today XX/XX/XXXX, this debt is still being reported on my credit report as unpaid. I have bank statements to prove the payment was made to them yet they fail to undate and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : Inability to Access My Credit Report / Request for Assistance I am writing to formally notify you that I have been unable to access my credit report through Equifaxs online system. Despite multiple attempts and submitting accurate identifying information, I continue to receive error messages or access denial. This is preventing me from reviewing the accuracy of my personal credit information and from exercising my rights under the Fair Credit Reporting Act ( FCRA ).

I respectfully request : Immediate assistance in restoring my access to my Equifax credit report, either online or by mailing a physical copy to my address listed above.

Written confirmation of any security freezes, fraud alerts, or identity verification issues that may be restricting my access. 

If necessary, instructions or documentation required to verify my identity and resolve this issue quickly. 

For your convenience and verification purposes, I have included copies of : A government-issued photo ID Proof of address ( utility bill, bank statement, etc. ) Please treat this matter with urgency. My inability to access my report interferes with my right to monitor my credit activity and dispute inaccurate information under 15 U.S.C. 1681g ( a ) and 1681j.

Thank you in advance for your prompt attention. I look forward to a written response and resolution within the time allowed by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
First bank Puerto Rico I am a co-signer to a car loan, primary is my husband XXXX XXXX XXXX XXXX. On XX/XX/2025, I submitted what I understood was my last payment. I do know I have some late pending fees. To my surprise the cancellation balance was over XXXX. On this date a claim was established claim XXXX. I contacted the executives of various divisions via email on XX/XX/2025. On XX/XX/2025 we received a call with XXXX options : Extending the life of the loan 1 year, a payment plan or 20 % discount and payoff in 30 days. We did not accept since this amount that they explain are interest ( daily ) were never informed, the only interest pending that we understand we owe are from the 3 moratory months during the pandemic. We only have knowledge of pending late fees. We were never notified in writing or when calling to do payments. Ther excuse is that since payments were in order there was no need of informing. This matter was never explained during the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: AR

Complaint narrative:
I'm very proud to play with you people want and you never got back to me cash app they got a hold of me one time and that was it now I want to know what the XXXX is going on but let 's start off and believe in XXXX  I didn't get my I believe there's XXXX XXXX direct deposit social security check XXXX I didn't get a check XXXX I didn't get a check so I close my account cash app still has my money I tried to get a hold of XXXX XXXX  they said they don't handle cash at accounts it's XXXX XXXX cuz I was getting my money there for 2 years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: InDebted Corporation
State: PA

Complaint narrative:
The person they say that it belongs to has the same name as my son. XXXX XXXX XXXX my son has never had a XXXXXXXX XXXX account nor have I. They wont talk to me about it because its not in my name, but yet its reported on my credit report and I want it removed! Spoke with XXXX XXXX who couldnt find anything in my name or ss # as well as XXXX XXXX who would not speak to me further because its not my name on the account and hung up on me. But again it is on my credit report and needs to be removed ASAP its also a significantly higher amount reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital one is saying the debt is owned by XXXX XXXX and XXXX XXXX is saying they dont own the debt. I need this removed since I cant even find who owns it to pay on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: AZ

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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