vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX Contents of Complaints This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, XXXX, XXXX, XXXX, XXXX information appearing on my consumer credit report that is the result of identity theft and fraud. Please remove this fraudulent, inaccurate, and false information within XXXX business days of receiving this complaint. The disputed information consists of unauthorized credit accounts, loans, and collections that were fraudulently opened or reported in my name. These accounts were opened without my knowledge or consent, and i did not authorize or benefit from them. Per XXXX, you are required to block this fraudulent information from my credit file and ensure it is not reported further. Additionally, i have included my FTC identity theft report number which is as follows, FTC Report XXXX : XXXX. I have also included attached a notarized affidavit. This is further evidence of this fraud. Please process this request immediately and confirm the removal of the fraudulent information in writing. Please see list of accounts below. 
XXXX XXXX XX/XX/XXXX -XXXX XXXX  XXXX XX/XX/XXXX XXXX collection ) -Portfolio Recovery XX/XX/XXXX ( collection ) -XXXX XXXXXX/XX/XXXX ( collection ) -XXXX XXXXXX/XX/XXXX ( closed ) -XXXX XX/XX/XXXX ( closed ) XXXX  XX/XX/XXXX ( closed ) -DEPTNE : NET XX/XX/XXXX ( closed ) -NTL XXXX LND XX/XX/XXXX ( closed ) -XXXX XXXX XX/XX/XXXX XXXX XXXX ) -Priresmtg XX/XX/XXXX ( closed ) -XXXX/missouri higher education XX/XX/XXXX ( open ) -XXXXXXXX higher education XX/XX/XXXX ( XXXX ) XXXX higher education XX/XX/XXXX ( open ) -XXXX/XXXX  XXXX education XX/XX/XXXX ( open ) -XXXX  higher education XX/XX/XXXX XXXX open ) -XXXX  higher education XX/XX/XXXX ( open ) XXXX XXXX XX/XX/XXXX ( inquiry ) -XXXX XX/XX/XXXX ( inquiry XXXX -XXXX  XXXX ( inquiry ) -XXXX XXXX  XX/XX/XXXX ( XXXX ) -XXXXXXXX XXXX XX/XX/XXXX ( inquiry ) -SYXXXX  XX/XX/XXXX ( inquiry ) -XXXX XXXX  of XXXX XX/XX/XXXX ( inquiry ) -XXXX XXXX XX/XX/XXXX ( XXXX ) -XXXX XXXX XXXXXX/XX/XXXX ( inquiry ) -XXXX  XX/XX/XXXX ( inquiry ) -XXXX XXXX XXXX XX/XX/XXXX ( inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( inquiry ) -XXXX XXXX XXXX XX/XX/XXXX XXXX inquiry ) XXXX XX/XX/XXXX ( XXXX XXXX -XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ) -XXXX XXXX XXXXXX/XX/XXXX ( inquiry ) Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX Contents of Complaints This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, XXXX, XXXX, XXXX, XXXX information appearing on my consumer credit report that is the result of identity theft and fraud. Please remove this fraudulent, inaccurate, and false information within XXXX business days of receiving this complaint. The disputed information consists of unauthorized credit accounts, loans, and collections that were fraudulently opened or reported in my name. These accounts were opened without my knowledge or consent, and i did not authorize or benefit from them. Per FCRA605B, you are required to block this fraudulent information from my credit file and ensure it is not reported further. Additionally, i have included my FTC identity theft report number which is as follows, FTC Report XXXX : XXXX. I have also included attached a notarized affidavit. This is further evidence of this fraud. Please process this request immediately and confirm the removal of the fraudulent information in writing. Please see list of accounts below. 
XXXX XXXX XX/XX/XXXX -XXXX XXXX  XXXX XX/XX/XXXX XXXX collection ) -XXXX XXXX XX/XX/XXXX ( collection ) XXXX XXXXXX/XX/XXXX ( collection ) -WFBNA XX/XX/XXXX ( closed ) XXXX XX/XX/XXXX ( closed ) -XXXX XXXXXX/XX/XXXX ( closed ) -XXXX XXXX XXXX XX/XX/XXXX ( closed ) -NTL XXXX LND XX/XX/XXXX ( closed ) -Ally Financial XX/XX/XXXX XXXX XXXX ) -XXXX  XX/XX/XXXX ( closed ) -Mohela/missouri higher education XX/XX/XXXX ( open ) -XXXX XXXXigher education XX/XX/XXXX ( XXXX ) XXXX higher education XX/XX/XXXX ( open ) -XXXX  XXXX education XX/XX/XXXX ( open ) -Mohela/missouri higher education XX/XX/XXXX XXXX open ) XXXX  higher education XX/XX/XXXX ( open ) XXXX XXXX XX/XX/XXXX ( inquiry ) XXXX XX/XX/XXXX ( inquiry XXXX -XXXX  XXXX ( inquiry ) -XXXX XXXX XX/XX/XXXX ( XXXX ) -XXXX  XXXX XX/XX/XXXX ( inquiry ) XXXX XXXXXX/XX/XXXX ( inquiry ) XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ( inquiry ) -XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX ( inquiry ) XXXX  XX/XX/XXXX ( inquiry ) -XXXX XXXX  XXXX XX/XX/XXXX ( inquiry ) -XXXX XXXX  XXXX XX/XX/XXXX ( inquiry ) XXXXi Auto XXXX XX/XX/XXXX XXXX inquiry ) XXXX XX/XX/XXXX ( XXXX XXXX -XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ) -XXXX XXXX XX/XX/XXXX ( inquiry ) Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-04-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: FL

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: WA

Complaint narrative:
This company has put out false information out on my credit report using my name and likeness without my permission or consent which has affected my financial abilities in business credit lines and to secure loans. My identity was stolen and information has been used to open various accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX RE : DISPUTE OF INACCURATE CREDIT INFORMATION Account # : XXXX ( XXXX XXXX ) To Whom It May Concern : This letter is a formal dispute under the Fair Credit Reporting Act, 15 U.S.C. 1681i, regarding inaccurate and incomplete information appearing on my credit report. I am exercising my right to dispute the following account : Creditor : XXXX XXXX Account # : XXXX After careful review of my credit report dated XX/XX/XXXX, I have identified multiple violations of federal consumer protection laws regarding this account : 1. **Date Discrepancies Violating 15 U.S.C. 1681s-2** : - The account is reported as opened on XX/XX/XXXX, which conflicts with transaction history. 
- The account reports activity in XX/XX/XXXX yet shows contradictory status information. 
- These chronological inconsistencies render the entire account report materially inaccurate. 

2. **Credit Limit Violations Under 15 U.S.C . 1637 ( b ) ** : - The account reports a balance of {$120.00} with a credit limit of {$100.00} ( 128 % utilization ). 
- This mathematically impossible situation suggests fundamental reporting errors. 

3. **Account Status Inconsistencies Violating 15 U.S.C . 1681s-2** : - The account is simultaneously reported as " Closed at credit grantor 's request '' while still reporting active past-due amounts.

- This contradictory reporting status violates accurate reporting requirements. 

4. **Payment Processing Issues Under 15 U.S.C. 1666b** : - The account shows a payment made on XX/XX/XXXX, yet still reports a past due amount as of XX/XX/XXXX. 
- This suggests improper processing or crediting of payments.

Under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation into these matters within 30 days. Given the multiple factual inconsistencies and legal violations outlined above, I request that this account be immediately removed from my credit report in its entirety.

Should your investigation somehow conclude that this information is accurate, please provide me with : 1. Documentary evidence of the account opening and complete transaction history 2. Written explanation of how a closed account can continue to accrue past due amounts 3. Documentation explaining how the balance can legitimately exceed the stated credit limit 4. Copies of all relevant billing statements showing proper notice under 15 U.S.C. 1637 ( b )

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 2025-04-04 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX RE : DISPUTE OF INACCURATE CREDIT INFORMATION Account # : XXXX ( XXXX XXXX ) To Whom It May Concern : This letter is a formal dispute under the Fair Credit Reporting Act, 15 U.S.C. 1681i, regarding inaccurate and incomplete information appearing on my credit report. I am exercising my right to dispute the following account : Creditor : XXXX XXXX Account # : XXXX After careful review of my credit report dated XX/XX/XXXX, I have identified multiple violations of federal consumer protection laws regarding this account : 1. **Date Discrepancies Violating 15 U.S.C. 1681s-2** : - The account is reported as opened on XX/XX/XXXX, which conflicts with transaction history. 
- The account reports activity in XX/XX/XXXX yet shows contradictory status information. 
- These chronological inconsistencies render the entire account report materially inaccurate. 

2. **Credit Limit Violations Under 15 U.S.C . 1637 ( b ) ** : - The account reports a balance of {$120.00} with a credit limit of {$100.00} ( 128 % utilization ). 
- This mathematically impossible situation suggests fundamental reporting errors. 

3. **Account Status Inconsistencies Violating 15 U.S.C . 1681s-2** : - The account is simultaneously reported as " Closed at credit grantor 's request '' while still reporting active past-due amounts.

- This contradictory reporting status violates accurate reporting requirements. 

4. **Payment Processing Issues Under 15 U.S.C. 1666b** : - The account shows a payment made on XX/XX/XXXX, yet still reports a past due amount as of XX/XX/XXXX. 
- This suggests improper processing or crediting of payments.

Under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation into these matters within 30 days. Given the multiple factual inconsistencies and legal violations outlined above, I request that this account be immediately removed from my credit report in its entirety.

Should your investigation somehow conclude that this information is accurate, please provide me with : 1. Documentary evidence of the account opening and complete transaction history 2. Written explanation of how a closed account can continue to accrue past due amounts 3. Documentation explaining how the balance can legitimately exceed the stated credit limit 4. Copies of all relevant billing statements showing proper notice under 15 U.S.C. 1637 ( b )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
Money was sent to a bunch of different people on my cash app and Id like it all returned

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I started getting a series of strange emails from the below addresses and many more. This rasied an alarm but thought it was spam. The enxt day i keep getting emails which casued me to check my XXXX credit monitoring coverage I have. I was out of town and traveling for work so on XXXX XXXX XXXX I take a deeper look at my email and checked online and see an new credit inquiry had occured that i did not do. XX/XX/XXXX I go look at my email again and see that {$40000.00} Capitol One credit card had been approved and was in the mail to be sent out. I immediatly called Captiol One to cancel the card/account, froze my credit with all 3 credit bureaus, and then called XXXX fraud protection team for assistance and guidence. I have been a victim of identiy theft and would love all possible protections moving forward. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Commercial Services, Inc
State: CA

Complaint narrative:
Company attempted to collect a debt stating we were paid twice for services rendered. After multiple attempts at debt verification and failure of company to provide any proof, the company then amended the complaint to allege we received payment but did not render service. Still can not provide any verification of monies owed

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX reported late payments and a charge-off on my XXXX credit file. The account shows XXXX derogatory months and states " {$6700.00} written off '' despite being paid and closed. I have never been late, and this reporting is inaccurate and unjustified. 

I disputed this through the credit bureau and requested all documentation verifying the negative marks, including full payment history, creditor communication, and proof justifying acceptance of XXXX claim. 

Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX & XXXX ( b ) ), bureaus must ensure maximum possible accuracy and complete reinvestigations within XXXX days. Yet the inaccurate reporting remained, with no substantive response or correction. 

I also raised a critical consumer protection concern : Why is information from furnishers accepted and published instantlywithout consumer verificationwhile disputes from consumers are delayed XXXX days and rarely corrected without evidence we often do not possess? 

This imbalance undermines the intent of both the FCRA and the XXXX XXXX XXXX XXXXXXXX XXXX XXXX, designed to protect consumers from inaccurate and harmful credit reporting practices. 

I am demanding full redress : correction of the false data, an updated report, and proof of reinvestigation.

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 2025-04-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX reported late payments and a charge-off on my XXXX credit file. The account shows XXXX derogatory months and states " {$6700.00} written off '' despite being paid and closed. I have never been late, and this reporting is inaccurate and unjustified. 

I disputed this through the credit bureau and requested all documentation verifying the negative marks, including full payment history, creditor communication, and proof justifying acceptance of XXXX claim. 

Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX & XXXX ( b ) ), bureaus must ensure maximum possible accuracy and complete reinvestigations within XXXX days. Yet the inaccurate reporting remained, with no substantive response or correction. 

I also raised a critical consumer protection concern : Why is information from furnishers accepted and published instantlywithout consumer verificationwhile disputes from consumers are delayed XXXX days and rarely corrected without evidence we often do not possess? 

This imbalance undermines the intent of both the FCRA and the XXXX XXXX XXXX XXXXXXXX XXXX XXXX, designed to protect consumers from inaccurate and harmful credit reporting practices. 

I am demanding full redress : correction of the false data, an updated report, and proof of reinvestigation.

Company response to consumer: Closed with non-monetary relief