vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2025-08-25 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: CA

Complaint narrative:
XXXX reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine. 

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own. 

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/year> I was arrested and put in XXXX  until XX/XX/year> during the time I was in XXXX  somebody accessed my account and took a loan and used the incoming deposits that I had coming in, the company continues to ask how it was unauthorized and there is a major language barrier. And they are not doing anything, there were XXXX or more transactions and they will not help me out them in the person that accessed my account also took a XXXX borrow loan, I have taken a picture of all the transactions. And attached a letter from the XXXX  showing u was in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FISERV FINXACT CORE
State: MS

Complaint narrative:
Back in XX/XX/scrub> 2025, I made a paid with XXXX XXXX  formally known as XXXX XXXX for my phone bill via bank account. The payment was returned due to insufficient funds but I paid it again with the debit card. I take it when paying via bank account, XXXX uses Telecheck to process payments. In XXXX and XXXX, Telecheck has debit my account for the same exact balance when its already been paid. I received a letter last week from them stating they were sending my account to collections for insufficient funds. Ive called them and reported this. Ive even sent them my bank statement reflecting the charges. I contacted XXXX and they didnt see any additional payments. My initial called to Telecheck was a waste of time because the representative claims she didnt see a payment on their end but now I have a letter regarding collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

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 do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: AL

Complaint narrative:
Recent I did an investigation on my report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom to report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after and any reinvestigation under paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$720.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$94.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$320.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX date opened XX/XX/XXXX {$1200.00} Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX {$720.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX {$460.00} XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXX {$260.00} XXXX XXXX XXXXXXXX date opened XX/XX/XXXX {$94.00} XXXX XXXX XXXX date opened XX/XX/XXXX {$140.00} XXXX XXXX XXXX date opened XX/XX/XXXX {$320.00} XXXX XXXX XXXX XXXX date opened XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXX {$1300.00} TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXX {$1300.00} XXXX  XXXX XXXX date opened XX/XX/XXXX {$460.00} XXXX  XXXX XXXX date opened XX/XX/XXXX {$720.00} XXXX  XXXX XXXX date closed XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$260.00} XXXX XXXXXXXX date opened XX/XX/XXXX {$94.00} XXXX XXXX date opened XX/XX/XXXX {$2000.00} ALLIED ACCT XXXX date opened XX/XX/XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$450.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1200.00} XXXX  XXXX date opened XX/XX/XXXX {$1300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, I was charged {$2000.00} by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my Capital One credit card ending in XXXX for legal services. The services were not provided as agreed. 
A court order ( XXXX XXXX ) dated XX/XX/year> gave us XXXX non-extendable days ( until XX/XX/XXXX ) to respond through legal counsel. 
I hired the law firm on XX/XX/XXXX and paid {$2000.00}. 
The attorney filed his appearance on XX/XX/XXXX, XXXX day late, after the deadline had already expired. 
As a result, my defense was left unprotected and the court proceeded with summary judgment. 
I received no meetings, no communication, and no effective legal service. 

This is a billing dispute for services not rendered. I submitted the court documents as evidence to Capital One, but they closed my dispute without properly reviewing them. 

I request that Capital One be required to reopen my dispute and refund the {$2000.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I dispute a {$1700.00} balance reported by Bull City Solutions on behalf of XXXX XXXX. This account was resolved through a verified social service program. Despite this, the debt has been recycled and re-reported multiple times. This is inaccurate and harmful. Under 15 U.S.C. 1681i ( a ) ( 1 ) and 1692c ( c ), I request the complete removal of this account from my credit file. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: Early Warning Services, LLC
State: CA

Complaint narrative:
Dear Compliance Department, I am writing pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair and Accurate Credit Transactions Act to formally dispute inaccurate and fraudulent information currently appearing in my consumer file. 

Personal Information Update My information must be updated immediately to reflect the following correct details : Full Legal Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, CA XXXX Social Security Number : XXXX Phone Number : XXXX I am a documented victim of identity theft. As a result, my records were altered without authorization, and this has made it extremely difficult to obtain basic banking services. 
Fraudulent Accounts to be Removed I demand the removal of all negative and fraudulent banking history not associated with me. 

The only legitimate accounts I have ever maintained are with : XXXX XXXX XXXX XXXX XXXX Any reporting of accounts outside of the above is fraudulent, unlawful, and must be permanently deleted. The following institutions should not be associated with me in any way : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Legal Obligation to Act Under the FCRA 611 ( 15 U.S.C. 1681i ) you are required to investigate and correct inaccurate information in my file within 30 days of receipt of this letter. Furthermore, under FCRA 605B, I have the right to block all information resulting from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
Complaint Description for CFPB : In XX/XX/year>, I was contacted through XXXX  about a job opportunity that claimed to be part of a company called XXXX. I was directed to the websites XXXXapp and XXXX. The job was described as completing affiliate marketing tasks for payment. 

To participate, I was told I needed to deposit XXXX through Cash App. The payments were supposed to unlock more tasks and eventually allow me to cash out. I was shown fake screenshots of other people receiving payments to convince me it was legitimate. 

Between early and XXXXXXXX XXXX I made multiple transactions through Cash App totaling {$2000.00} Each time I got close to completing the assigned tasks, the scammers required more deposits. I was never able to withdraw any funds or receive any payment. 

Names used by the individuals included XXXX XXXX and XXXX XXXX. All communication occurred through XXXX groups and private messages. 

Actions I have taken so far : Reported to FBI IC3 ( internet crime complaint center ) Reported to the North Carolina Attorney General Reported to Cash App support Reported to Telegram abuse team Contacted the legitimate company XXXX, which confirmed no affiliation Despite these steps, no resolution has occurred and no funds have been returned. I am requesting that the CFPB investigate this matter, hold Cash App accountable for allowing this fraud through their platform, and help prevent other consumers from being harmed in the same way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: CO

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report. 



Acknowledge that the accounts and transactions are fraudulent. 
Immediately remove all fraudulent account and Unauthorized Inquiries charges from my credit report. 
Ensure that no further collection attempts or negative marks are made related to these fraudulent accounts. 

Provide me with written confirmation that my personal information has been secured, and that no further unauthorized actions will occur under my name. 

Compensate me for any damages or negative impacts to my credit score and personal life resulting from this identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX TransUnion XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX SSN : XXXX XX/XX/XXXX Subject : Request for Deletion of Inaccurate Information Dear Consumer Agency, I am writing to formally request the deletion of inaccurate personal information in my file, specifically incorrect addresses and misspelled or incorrect names that are either not mine or are inaccurate. This incorrect information is causing confusion and must be corrected immediately to reflect the truth. 

Upon reviewing my consumer file, I have identified the following errors : XXXX. Incorrect Addresses. Please delete any address that is not below. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. Misspelled/Incorrect Names. Please delete any name that is not below. 

XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information in my file is accurate and complete. I request that you promptly investigate this matter and remove the erroneous information. 

Please confirm in writing that these changes have been made and provide me with an updated copy of my file showing the corrections. 

Thank you for your prompt attention to this issue. I look forward to your response and the resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX TransUnion XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX SSN : XXXX XX/XX/XXXX Subject : Request for Deletion of Inaccurate Information Dear Consumer Agency, I am writing to formally request the deletion of inaccurate personal information in my file, specifically incorrect addresses and misspelled or incorrect names that are either not mine or are inaccurate. This incorrect information is causing confusion and must be corrected immediately to reflect the truth. 

Upon reviewing my consumer file, I have identified the following errors : XXXX. Incorrect Addresses. Please delete any address that is not below. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. Misspelled/Incorrect Names. Please delete any name that is not below. 

XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information in my file is accurate and complete. I request that you promptly investigate this matter and remove the erroneous information. 

Please confirm in writing that these changes have been made and provide me with an updated copy of my file showing the corrections. 

Thank you for your prompt attention to this issue. I look forward to your response and the resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
My wages were garnished by a company I never heard of without prior notiofication from any parties involved, including small calims court, and my employer. Address was not mine or the name on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
FRAUDULENT ACTIVITY EXPERIAN XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX KYXXXXXXXX TransUnion XXXX XXXX Inquiry date XX/XX/XXXXXXXX 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