vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
Reference number XXXX Vim and vigor membership in a pause from XX/XX/XXXX to XX/XX/year>. Today is XX/XX/year> and I received a bill of {$420.00}. I have not yet canceled my membership. This gym membership is {$30.00} a month and has a {$50.00} (? ) Annual fee. Can you tell me how the XXXX they got {$420.00}? This is fraud. I will be canceling my membership due to this ordeal and I will sue if they do not desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
XXXX XXXX was allowed by cash app to withdraw money for my subscription while my card was locked. I contacted support and ask them how that was possible and they just shut me out and refused to answer me. I don't understand how they can practice this way! This is not the first time I've had a problem with them withdrawing funds from my locked card without my permission. I'm not saying that the money or transaction was unauthorized I just had not unlocked my card yet so technically they should not have allowed the payment to go through. I just want an answer as to why they allow this to keep happening

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX XXXX Social Security XXXX : XXXX Consumer Date of Birth : XX/XX/XXXX This complaint is being filed because the credit reporting agency has returned a response to my previous CFPB dispute claiming that the contested accounts, inquiries, and personal identifying information were verified. This verified response is inaccurate, incomplete, and inconsistent with the requirements of the Fair Credit Reporting Act. Pursuant to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( a ) ( 7 ), I am invoking my right to request a Method of Verification for every item the credit reporting agency reported as verified, including : XXXX. All accounts disputed in the initial CFPB complaint XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance - XXXXXXXX XXXX XXXXXXXX Balance {$320.00} XXXX. All hard inquiries associated with those disputed accounts XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. All addresses, address-identification numbers, prior address references, or non-consumer-provided personal identifiers appearing on the file that are not mine XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX The credit reporting agency has not provided any legally sufficient evidence that they contacted the furnisher, nor have they provided any procedure used to reinvestigate the accuracy of the disputed information. The agency did not contact me, did not contact the FTC regarding my identity theft report, and did not verify the authenticity of addresses or address-identification numbers linked to fraudulent accounts. Therefore, the verified response provided by the credit reporting agency is unsupported. Under the law, I have the right to receive : The exact name, address, and telephone number of the furnisher ( s ) of information A detailed description of the procedure used to verify the disputed items The source ( s ) of any address, inquiry, or account information the agency relied upon The method by which the agency verified the identity and address data appearing on my file The agency failed to provide all of the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: IN

Complaint narrative:
Account 1 : Jefferson Capital Systems # XXXX Date Opened : XX/XX/XXXX Original Balance : {$9300.00} Reported Balance : {$9000.00} ( as of XX/XX/XXXX ) Recent Payment : {$310.00} made on XX/XX/XXXX Status : Collection account, marked past due since XX/XX/XXXX What Happened : This account was purchased by Jefferson Capital Systems as a debt buyer. I made a payment of {$310.00} on XX/XX/XXXX, which should have been properly credited and reflected in the account history. Despite this, the account continues to be reported as a collection with a pastdue balance of {$9000.00}. I dispute the accuracy of this reporting because the payment history is incomplete, and the company has not provided validation of the debt or proof of lawful assignment under consumer law. 
Account 2 : Jefferson Capital Systems # XXXX Date Opened : XX/XX/XXXX Original Balance : {$1200.00} Reported Balance : {$1200.00} ( as of XX/XX/XXXX ) Recent Payment : None recorded Status : Collection account, marked past due since XX/XX/XXXX What Happened : This account was also purchased by Jefferson Capital Systems. It has been reported continuously as a collection account with a balance of {$1200.00}. No payments are recorded, and the company has failed to provide documentation proving the validity of this debt or its right to collect. I dispute this account as inaccurate and unverifiable under the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: MO

Complaint narrative:
I am filing this complaint because all three credit reporting agencies ( Equifax, Experian, and TransUnion ) are reporting multiple inaccurate accounts, personal information errors, and an identity-theft related account, and they have failed to properly investigate, even after I disputed the items in writing. 

Despite receiving my mailed disputes, the agencies sent generic responses and claimed items were verified '' without providing the legally required method of verification, as required under FCRA 1681i ( 7 ). They also did not correct any of the inaccurate personal information or remove the accounts that I identified as false, outdated, or not belonging to me. 

In addition, I requested documentation showing how the information was verified, including which creditor or individual they spoke with, and none of the bureaus provided this. 

Each bureau is reporting accounts that are not mine, unverified, or previously disputed without proper investigation, including : XXXX XXXX XXXXXXXX accounts Account # XXXX Account # XXXXXXXX XXXX XXXX account ( TransUnion ) no validation provided XXXX XXXX account ( Experian ) I contacted the creditor and requested proof ; more than 30 days passed with no validation XXXX XXXX  account ( TransUnion ) identity theft ; I submitted an FTC Identity Theft Report but they did not remove it. 

The bureaus continue to report these accounts even though they can not produce any proof of a signed contract, proper validation, or documentation showing that the account belongs to me. 

The credit bureaus appear to have : Performed superficial or automated investigations Ignored my written documentation Returned generic templates instead of full reinvestigations Failed to correct personal information Failed to remove unverifiable or fraudulent accounts This violates : FCRA 611 Reinvestigation of Disputed Information FCRA 607 Accuracy FCRA 623 Responsibilities of Furnishers These reporting failures have caused : Stress and emotional hardship Denial of credit Higher interest rates Loss of time and resources due to repeated disputes Confusion and mix-ups with personal identity information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: MO

Complaint narrative:
I am filing this complaint because all three credit reporting agencies ( Equifax, Experian, and TransUnion ) are reporting multiple inaccurate accounts, personal information errors, and an identity-theft related account, and they have failed to properly investigate, even after I disputed the items in writing. 

Despite receiving my mailed disputes, the agencies sent generic responses and claimed items were verified '' without providing the legally required method of verification, as required under FCRA 1681i ( 7 ). They also did not correct any of the inaccurate personal information or remove the accounts that I identified as false, outdated, or not belonging to me. 

In addition, I requested documentation showing how the information was verified, including which creditor or individual they spoke with, and none of the bureaus provided this. 

Each bureau is reporting accounts that are not mine, unverified, or previously disputed without proper investigation, including : XXXX XXXX XXXXXXXX accounts Account # XXXX Account # XXXXXXXX XXXX XXXX account ( TransUnion ) no validation provided XXXX XXXX account ( Experian ) I contacted the creditor and requested proof ; more than 30 days passed with no validation XXXX XXXX  account ( TransUnion ) identity theft ; I submitted an FTC Identity Theft Report but they did not remove it. 

The bureaus continue to report these accounts even though they can not produce any proof of a signed contract, proper validation, or documentation showing that the account belongs to me. 

The credit bureaus appear to have : Performed superficial or automated investigations Ignored my written documentation Returned generic templates instead of full reinvestigations Failed to correct personal information Failed to remove unverifiable or fraudulent accounts This violates : FCRA 611 Reinvestigation of Disputed Information FCRA 607 Accuracy FCRA 623 Responsibilities of Furnishers These reporting failures have caused : Stress and emotional hardship Denial of credit Higher interest rates Loss of time and resources due to repeated disputes Confusion and mix-ups with personal identity information

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
The information being reported about my account is inaccurate and does not comply with XXXX XXXX reporting standards or the FCRAs requirements for maximum accuracy. 

I contacted the furnisher to request verification and a detailed investigation, but the information they are reporting does not match the actual history of the account. Specifically, the reported balance, payment history, and account status contain discrepancies that have not been validated.

Under FCRA 602 ( A ) and 623, furnishers must ensure that all data furnished is complete and accurate. The company failed to provide documentation supporting the reported information, and they continue to furnish data that is inconsistent with my records.

I requested validation of the account, including the original itemized accounting and documentation showing how the current status and balance were calculated. The company has not provided this, yet continues to report negative information.

Because the company is reporting information that is inaccurate, unverifiable, and incomplete, I am requesting that the CFPB require the furnisher to : 1. Conduct a full investigation, 2. Provide complete documentation supporting the account data, or 3. Correct or delete the inaccurate information if it can not be verified through documentation. 

I am seeking compliance with the FCRA and XXXX XXXX reporting standards and for the inaccurate negative information to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MA

Complaint narrative:
I am writing to formally request a purchase agreement for the account ending in XXXX. Please provide a written agreement outlining the terms and conditions for the purchase or settlement of this account, including : 1. Total purchase price or settlement amount 2. Payment terms and method 3. Any conditions related to the account transfer 4. Confirmation that the agreement will reflect the account as resolved or paid in full upon completion Please send the requested purchase agreement to my address above or via email at XXXX. I look forward to receiving your response so that we may proceed accordingly.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
My name is XXXX XXXX XXXX XXXX : XX/XX/XXXX ). I am a confirmed victim of identity theft. A fraudulent account from XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) appears on my credit reports. It was opened in XX/XX/XXXX, when I was only XXXX XXXX XXXX, a legal minor with no ability to enter into binding credit agreements. I never applied for, used, or authorized this account. Someone illegally used my personal information. 

I have already reported this identity theft to the FTC and to the XXXX XXXX XXXX Department, and those reports confirm that I was a minor when this account was opened. I attached copies of both reports in my disputes with the credit bureaus. 

Despite submitting proof of my identity and proof of fraudulent activity, the credit reporting agencies have not removed this invalid account. It continues to damage my credit profile and future borrowing ability. This is a clear violation of the Fair Credit Reporting Act, including : FCRA 605B blocking of identity theft information FCRA 611 reinvestigation and correction requirements FCRA 623 accuracy obligations of furnishers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern : I am disputing the medical collection reported by XXXX XXXX XXXX in the amount of {$1600.00}. 
I do not recognize this account. I have NEVER received any medical services from XXXX XXXX XXXX or from any provider associated with this debt. 
This debt is not mine, was never authorized, and I was never billed for or notified about this alleged account. 
Additionally, this medical collection was reported within the first year of the alleged service date, which violates FCRA 605 ( a ) ( 6 ), which prohibits the reporting of medical debts for XXXX  days after the date of service. 
Because this account is unverified, unauthorized, unknown to me, and illegally reported, I request immediate deletion from my Equifax credit file. 
Please provide written confirmation when this unverified account has been removed. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
EQUIFAX CREDIT REPORTING HAS VIOLATED MY RIGHTS TO FCRA! On XX/XX/XXXX I REQUESTED A CEASE AND DESIST OF REPORTING FROM ( XXXX XXXX XXXX -BALANCE XXXX ) as it appears on my EQUIFAX credit file. Since then EQUIFAX HAS ALLOWED CREDIT CONTROL TO GAIN ACCESS TO MY CREDIT FILE AND UPDATE ACCOUNT ON FILE! I SENT EQUIFAX A FTC REPORT REPORTING ID THEFT FOR THIS ITEM. I SENT FTC REPORT VIA MAIL AND THRU CFPB WEBSITE PORTAL ON XX/XX/year>! EQUIFAX REFUSES TO REMOVE ITEM I HAVE CONSISTENTLY REPORTED AS IDENTITY THEFT! THIS ITEM SHOULD HAVE BEEN REMOVED IN 5 DAYS PER FCRA! EQUIFAX MUST BLOCK AND REMOVE ( XXXX XXXX XXXX ) FRON MY EQUIFAX CREDIT FILE BEARING SOCIAL SECURITY NUMBER XXXX and date of birth XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: MO

Complaint narrative:
This complaint is being filed because the credit reporting agency has returned a response to my previous CFPB dispute claiming that the contested accounts, inquiries, and personal identifying information were verified. This verified response is inaccurate, incomplete, and inconsistent with the requirements of the Fair Credit Reporting Act.

Pursuant to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( a ) ( 7 ), I am invoking my right to request a Method of Verification for every item the credit reporting agency reported as verified, including : 1. All accounts disputed in the initial CFPB complaint XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$410.00} 2. All hard inquiries associated with those disputed accounts 3. All addresses, address-identification numbers, prior address references, or non-consumer-provided personal identifiers appearing on the file that are not mine The credit reporting agency has not provided any legally sufficient evidence that they contacted the furnisher, nor have they provided any procedure used to reinvestigate the accuracy of the disputed information.

The agency did not contact me, did not contact the FTC regarding my identity theft report, and did not verify the authenticity of addresses or address-identification numbers linked to fraudulent accounts.

Therefore, the verified response provided by the credit reporting agency is unsupported. Under the law, I have the right to receive : The exact name, address, and telephone number of the furnisher ( s ) of information A detailed description of the procedure used to verify the disputed items The source ( s ) of any address, inquiry, or account information the agency relied upon The method by which the agency verified the identity and address data appearing on my file The agency failed to provide all of the above.

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 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: OKX INC.
State: OR

Complaint narrative:
On XX/XX/year>, I received a system notification ( push notification ) on my XXXX device from the OKX application stating that I had earned and was being delivered XXXX XXXX  as a promotional reward. This notification explicitly represented a completed reward delivery.

Deceptive Practice : Upon clicking the notification, I was redirected not to my account with the XXXX XXXX, but to a new marketing campaign page. This page requires me to complete further trading activities merely to enter a drawing for a promotional reward. 

Conclusion : This is a clear case of bait-and-switch and deceptive advertising in the financial industry. OKX intentionally used a system notificationwhich implies high-priority and factual account informationto falsely promise a significant reward ( XXXX XXXX XXXX XXXXXXXX as " clickbait '' to solicit further trades. 

I demand immediate clarification and resolution regarding this false claim, and I request that measures be taken to prevent such fraudulent marketing practices from being used against customers.

Company response to consumer: Closed with explanation