vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : Follow-Up Complaint Inaccurate CFPB Response from Equifax & No Response from XXXX XXXX XXXX To Whom It May Concern, I am submitting this follow-up complaint regarding a previously filed dispute involving inaccurate collection accounts reporting on my credit file. Despite Equifax 's response to my original CFPB complaint, their reporting was not accurate, and one of the companies involvedXXXX  XXXX XXXX failed to respond to the CFPB entirely. 

False or Incomplete Reporting by Equifax : Equifax responded to the CFPB indicating that : XXXX XXXX XXXX was verified and updated, which is incorrect. That account had already been removed from all three credit reports prior to their response. 

XXXX XXXX XXXX was verified and accurately reporting. However, this account is still reporting as an open collection, and Equifax has not provided any evidence of proper verification. 

XXXX XXXX XXXX was not mentioned at all in Equifaxs response, even though two accounts from this company are actively reporting and were included in my original CFPB complaint. 


XXXX XXXX XXXX No Response to CFPB : Portfolio Recovery has failed to respond to the original CFPB complaint filed in XX/XX/XXXX. As of XX/XX/XXXX, the following accounts are still actively reporting as open collections and have not been verified : 1. XXXX XXXX XXXX XXXX Balance : {$1200.00} Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX ( Account # 1 ) Balance : {$2000.00} Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX ( Account # 2 ) Balance : {$2500.00} Opened : XX/XX/XXXX All three of these accounts continue to report as open collections, and none have been properly verified by either the credit bureaus or the data furnishers. XXXX Recoverys failure to respond to a formal CFPB complaint violates the intent of the FCRA and your agencys procedures for complaint resolution. 

Requested Action : XXXX XXXX  A Last reported XX/XX/XXXX {$2500.00} Open balance XXXX XXXX XXXX  Original creditor XXXX  Opened XX/XX/XXXX ( 10 mos ) Account status Open Type Responsibility Individual Consumer disputes this account information Collection account Remarks Original creditor name XXXX XXXX XXXX am requesting that the CFPB : Reopen or escalate my original complaint Require the immediate deletion of the three accounts listed above Investigate Equifaxs false claim of verification of a previously deleted account Hold Portfolio Recovery accountable for their failure to respond Thank you for your continued assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: PA

Complaint narrative:
I am requesting the immediate deletion of the following fraudulent accounts and inquiries reported on my credit file, in accordance with federal law. I have provided the FTC Identity Theft Report, a copy of my government-issued ID, Social Security card , and proof of address. These accounts were not authorized by me and resulted from identity theft. 

Fraudulent Accounts to Be Deleted : XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  XXXX Account # XXXX Requested Resolution : Permanently delete the above accounts and any related inquiries from my credit file as required under 15 USC 1681c2.

Block the fraudulent data within 4 business days of receiving this identity theft report, as mandated by law.

Provide written confirmation that the accounts and inquiries have been removed.

Send an updated copy of my consumer credit report showing the deletions.

Ensure the fraudulent information is not reinserted without proper verification and advance notice, as required by FCRA 1681i ( a ) ( 5 ) ( B ).

Failure to act promptly will result in formal complaints being filed with the CFPB, FTC, BBB, and Attorney General offices in both my state and the data furnisher 's jurisdiction. If necessary, I will also pursue legal action to recover damages for the harm caused by your continued reporting of fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
Maintaining a good credit is a priority for me, which is why Im really upset about the mistakes on my credit report. These inaccuracies are super stressful and its just frustrating to see my credit get impacted by errors that arent even my fault. I'm really concerned and want this resolved ASAP because I dont want to wait for any more damage to be done.

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 2025-07-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, there was a charge on my Macys account for purchases not authorized by me. I informed Macys that this was fraud. One charge was for {$300.00} on XX/XX/year>XXXX  and another charge was for {$160.00} on XX/XX/year>. I called Macys customer service line and informed them that these were not my transactions and spoke to a several different representatives Over the next two weeks regarding this issue. This occurred between XXXX and all the way to end of XXXX. I even spoke to an investigator and a detective who learned that an individual was apprehended and charged for this fraud. I informed Macys, but they have not responded to my reporting, nor giving me an answer about removing those transactions. This is affected my credit rating as I have not paid that amount as I expect them to remove it. I spoke to my credit agencies who contacted Macys on my behalf and Macys told them that this was indeed my transaction. Obviously that is incorrect, but they are refusing to remove the charges. I have the police file number along with the detective.

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 2025-07-22 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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX : XX/XX/XXXXXXXX  Date : [ XX/XX/XXXX ] To : TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Fraudulent Accounts Due to Identity Theft Request for Deletion Under FCRA To Whom It May Concern, I am writing to formally dispute and request the removal of four unauthorized accounts currently listed on my TransUnion credit report. These accounts were opened and/or reported without my knowledge or consent and are the result of identity theft. They include : XXXX XXXX XXXX ( Debt Collector ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I did not open these accounts, authorize them, or benefit from them in any way. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute this information and demand its prompt removal from my credit report. 

These accounts were reported without proper verification or authorization and violate FCRA provisions that require accurate, fair, and substantiated credit reporting. Continued reporting of these fraudulent accounts constitutes willful noncompliance with the law. 

Enclosed are the following documents to support my claim : A copy of my government-issued photo ID A copy of a recent utility bill showing my current address A copy of my FTC Identity Theft Report and/or police report ( if applicable ) I request that TransUnion : Investigate and delete the above-listed accounts from my credit report.

Block any future reporting of these fraudulent accounts.

Send me written confirmation of the deletion within 30 days as required by law. 
Please treat this matter as urgent and in full compliance with FCRA guidelines. Thank you for your immediate attention to this dispute. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-22 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:
I sent a formal dispute to Equifax to address an account listed on my credit report that I do not recognize and have no knowledge of authorizing. Despite following proper dispute procedures and requesting a reinvestigation, Equifax has not removed the account or provided any evidence supporting its accuracy. The account continues to remain on my credit file, unverified and unexplained. Equifaxs failure to correct this inaccurate information or provide documentation in response to my dispute is a clear violation of its responsibilities under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: PA

Complaint narrative:
I am requesting that Equifax initiate a full reinvestigation of the repossession account listed below, and if the creditor fails to provide complete and verifiable documentation, that Equifax delete the account from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15 U.S.C. 1681i ]. 

Disputed Account : XXXX XXXX Account Number : XXXX Specific Resolution Requested : Remove this account if XXXX XXXX can not validate : The accurate balance, reflecting auction proceeds and any GAP insurance payout A complete and accurate payment history Proper validation of the debt, including full account documentation I have attached : A copy of my credit report with the disputed entry highlighted A copy of my government-issued ID for verification Please provide a written investigation summary and notify me of the result within 30 days, as required by law. 

If the account is not properly verified, I expect immediate deletion from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: PNC Bank N.A.
State: TX

Complaint narrative:
In XX/XX/XXXX, the U.S. Department of Education issued me a student loan refund check through my loan servicer, XXXX, in the amount of {$34000.00}. I never received this check and was unaware that it had been issued to me at the time. 

In XX/XX/XXXX, I began receiving bank statements from PNC Bank for an account that I had not opened. On XX/XX/XXXX, I went to a local branch ( XXXX XXXX, TX ) and was informed that a checking account had been created using my identity, and approximately {$35000.00} had been deposited into it. Of the total amount deposited, approximately {$11000.00} was stolen from me through the fraudulent bank account. Upon discovering that the account was not opened by myself, The bank froze the account & opened up a fraud investigation on my behalf. However, they stated they could no longer provide me any information on the matter because I did not create the account. They said the account would be under investigation for 60 days. I never received any follow up on the account or the status.

After my time at the local PNC Bank on XX/XX/XXXX, I also went to the local police station and reported the identity theft & a case was open on my behalf.

In XX/XX/XXXX, XXXX confirmed that my loan refund check of {$34000.00} was sent out in XX/XX/XXXX. This is when I made the connection that the money from the fraudulent bank account was actually my funds from my student loan refund check.

I returned to the local branch on XX/XX/XXXX after the realization that not only was my identity stolen, but my refund check was also stolen. The front desk confirmed that the check was in fact deposited into the fraudulent account. I sat with them for a couple of hours as the bank clerk tried to contact someone from the fraud department. She was unable to get anyone on the phone to help me, and sent me away saying she would give me a call. When she called she said there wasnt much they could do and that I would need to try contacting my loan servicer.

At no point did PNC Bank inform me that the deposit involved a check issued to me. Had I been notified, I could have identified the theft earlier. Despite freezing the account, PNC has not provided me with documentation of the investigation, details of the account opening, or assistance in recovering the stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I picked up my phone to try to send money to my children and grandchildren thats how I used the app, I went in to app trying to open and I couldnt it logged me out stating that I illegally did transactions and have yet to tell me what.I talked to individuals on the XXXX, talked to about 3 people that were rude, I kept getting wait until 30 days only to call today and XXXX a representative told me my cash app was closed and she couldnt help me when it comes to that point, she stated a manager couldnt help me.I know for a fact my XXXX  who is XXXX rely on this cash app when I send to her cash app.I know my children rely on cash app when I am sending them cash to get gass or food or even pay a bill.No one has told me why they closed it for no reason if they had questions for me I could have told them exactly what I used cash app for

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I opened up a credit card with XXXX XXXX XXXX XXXX XXXX XXXXXXXX closed the account in XXXX .. Midland collection agency bought the debt from Finger XXXX in XXXX now Im being sued in XXXX for a debt that has been charged off and paid through IRS. Statue of limitation has ran out with this debt. Why am I being sued to pay it?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: OneMain Finance Corporation
State: FL

Complaint narrative:
THIS IS FROM ONE MAIN FINANCIAL IN THE AMOUNT OF {$5700.00} WHICH THIS ACCOUNT IS NOT MINE PLEASE REMOVE FROM CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I called Equifax XX/XX/year>. I was told by one rep that I needed to mail in proof of my dispute ; as well as, copies of my ID and social security card. I put that in the mail, the same date. I noticed an update on my credit report, referencing the specific account that was reporting outdated information. When I called back to have the information removed, the supervisor told me they couldnt read my social copy. When I asked him how I can submit the copy directly to Equifax, so that pixels arent lost in printing and rescanning, he told me to do it in the dispute portal. He walked me through it, but the collection does not show on their site nor in their portal-even though theyre still reporting this outdated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: NY

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney & # XXXX ; s fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-07-22 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: SC

Complaint narrative:
Equifax they keep removing things on my credit report and putting it back on my report after I sent in my identity theft affidavit when will they stop doing this is this legally right for them to keep ruining my life...... you made them pay XXXX XXXX dollars for breaking the law and they continue to break the law can Equifax please cease and desist from reporting these errors your hearing thus from me but next it will be from my attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX has furnished derogatory information about me to Experian, Equifax, and TransUnion. According to Wisconsin law and XXXX  records, they are not licensed as a collection agency, making their reporting both unauthorized and deceptive. Additionally, in Hoffmanv.XXXX, the court found XXXX falsely claimed licensing authority. Despite my disputes, the accounts remain.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX has furnished derogatory information about me to Experian, Equifax, and TransUnion. According to Wisconsin law and XXXX  records, they are not licensed as a collection agency, making their reporting both unauthorized and deceptive. Additionally, in Hoffmanv.XXXX, the court found XXXX falsely claimed licensing authority. Despite my disputes, the accounts remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Blitt and Gaines, P.C.
State: MO

Complaint narrative:
I have a few questions for clarity : I'm seeking clarity for the alleged account you have for XXXX XXXX. Did you purchase the account from XXXX XXXX or are you working for XXXX XXXX? Can you provide any and all documentation regarding my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Repeated request to remove old outdated accounts that have been paid off, transferred or closed and over 7-years old has been ignored and no investigation done properly to remove old accounts.

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