vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : EXPERIAN XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : BANKRUPTCY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$24000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-09-16 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: NJ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-09-16 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: 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 ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-16 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$2300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: WA

Complaint narrative:
XXXX reported to the credit bureaus that my account was XXXX  late which it was not. I pay for my orders through XXXX and haven't used my credit card in years. I never received an email or statement showing that somehow it was charged to my account and not XXXX. The manager said they are not sure how that happened and they had sent a statement to an email that was closed 5 years ago. I asked why they didn't send a statement and she said the account said paperless even though the email didn't go through. They even charged a {$29.00} and a {$41.00} late fee on a {$73.00} balance which I think should be illegal. The manager removed them and told me to send in the {$73.00} which I did and everything would be taken care of. The account is XXXX but they reported it as XXXX  late which it was not and it lowered my FICO score by XXXX points. I have had that account since XXXX  and never had a late payment but why they would report this when it was their error I have no idea. My email on the account shows the correct email but she said they still had the old email and you have to call to change your email which I have never had to do. I have received promotions from them to the correct email so that doesn't make sense. The orders were XXXX {$24.00} and XXXX {$48.00}. They are refusing to remove the report to the credit bureau. I have no idea how this happened but them refusing is so wrong because it was their fault that it was charged to my credit card and not XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year> a cash app was frozen that I have due to a UCC filing. I have a relative who shares part of my same name and I believe the filing may have been intended for her. However, when I contact Cash App, theres no one I can reach to ensure that the filing matches the correct profile and social security number of who theyre attempting to actually block. My funds are frozen and I cant reach anyone and they dont follow up after chats with Cash App reps. You cant reach the civil claims dept or anything. They need to verify that the full name and social security number dont match. The funds were randomly frozen even before a court date has been had with any judgements etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: AZ

Complaint narrative:
I am formally disputing the late payment status being reported on my credit file. This reporting is inaccurate, misleading, and unverifiable. I have either made payments on time or have not received legally sufficient documentation to support the claim of late payments. The continued reporting of this status is causing unjustified harm to my credit profile.

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 2025-09-16 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: FL

Complaint narrative:
I am a victim of identity theft. My personal information, including my name and Social Security number, has been used without my authorization to open fraudulent accounts and make unauthorized inquiries. I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ), reference number XXXX. The fraudulent activities began in XX/XX/XXXX, and I first discovered them in XX/XX/XXXX. 

The following fraudulent accounts and unauthorized inquiries are appearing on my Equifax credit report : XXXX Accounts : XXXX : Account number XXXX, opened XX/XX/XXXX. 
XXXX XXXX XXXX : Account number XXXX, opened XX/XX/XXXX. 
XXXX XXXX XXXX : Account number XXXX, opened XX/XX/XXXX. 

Unauthorized Inquiries : XXXX XXXX XXXX : Inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX XXXX : Inquiries on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX XXXX XXXX : Inquiries on XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX : Inquiries on XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX : Inquiry on XX/XX/XXXX. 
XXXX XXXX XXXX : Inquiry on XX/XX/XXXX. 

I have also attached a signed affidavit and a copy of the FTC Identity Theft Report to my credit bureau complaint letters. I am a resident of the state of Florida and a victim of identity theft. The events described in my affidavit took place in XXXX, XXXX. I did not authorize anyone to use my name or personal information to seek credit, and I did not receive any benefit from these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
I am writing to file a formal complaint against BSI Financial Services for their gross mishandling of my homeowners insurance funds following a house fire at my property. 

Despite proper disbursement protocols, BSI Financial released insurance payments to a contractor who abandoned the project, leaving my family in an unlivable home. When {$12000.00} of the remaining funds were fraudulently cashed by an unknown party. 

BSI acknowledged the fraud but has yet to provide restitution, a resolution timeline, or any meaningful accountability. They also refused to acknowledge the severe financial hardship their oversight has caused. 

To make matters worse, the house is still incomplete and has developed mold infestations due to prolonged exposure and unfinished repairs. I was hoping to use the remaining funds to fix critical issues such as the gutters and the mold damage, but this has been impossible given BSIs failure to properly safeguard and release thefunds. 

I currently live in this unsafe environment with my XXXX XXXX, who suffer from frequent skin reactions and allergies caused by the mold and poor living conditions. This situation has severely impacted our quality of life and continues to pose ongoing health risks. 

I have made multiple attempts to resolve the matter directly, including a formal letter sent via certified mail and voicemail responses. 

To date, BSI Financial has failed to provide written documentation of disbursement decisions, a timeline for reimbursement, or a formal apology. 

I am requesting your agencys assistance in investigating this matter and holding BSI Financial Services accountable for their negligence and lack of resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, two transactions of XXXX was authorized while my debit card was locked One transaction was an error and went to the wrong person. I Immediately requested a refund through cash app and notified chase bank about the error that took place. I was told due to previous transactions it automatically went through. That is unacceptable and should not have taken place while my card was locked It should have been declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I added a new bank account to pay my XXXX XXXX Credit Card and tried to pay my credit card bill, they said it was tagged as fraud and sent me a notice I was required to provide bank statments. This was a payment not a transaction. There is no where to submit these documents, I have spent hours on the phone trying to speak with a representitive about why they denied a payment but they refuse to provide an explaintation and then charged me additional interest and after I paid the bill from another account I am still on hold and they refuse to take any action or answer any informative questions as to why the payment was rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: VA

Complaint narrative:
Sent email and letter to agencies at least 3 times. Sent final letter which is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: VA

Complaint narrative:
Sent email and letter to agencies at least 3 times. Sent final letter which is attached.

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 2025-09-16 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Formal Dispute of Inaccurate Information under the Fair Credit Reporting Act ( FCRA ) Dear Credit Bureau, I am writing to formally dispute the following inaccurate and derogatory information that appears on my credit report. 
Please investigate these accounts and either verify their complete accuracy or remove them from my credit profile as required under FCRA Sections 609 and 611.

1. XXXX XXXX XXXX XXXX {$5400.00} 2. XXXX XXXX  XXXX XXXX Account shows a 30-day late payment reported in XX/XX/XXXX. 

These accounts are having a significant negative impact on my creditworthiness, and I am requesting that they be thoroughly verified for accuracy. If they can not be 100 % verified, please delete them from my credit report. 
Thank you for your prompt attention to this matter. Please provide me with written confirmation of the results of your investigation. 
Sincerely, XXXX XXXX Date of Birth : XX/XX/XXXX Last 4 of XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Formal Dispute of Inaccurate Information under the Fair Credit Reporting Act ( FCRA ) Dear Credit Bureau, I am writing to formally dispute the following inaccurate and derogatory information that appears on my credit report. 
Please investigate these accounts and either verify their complete accuracy or remove them from my credit profile as required under FCRA Sections 609 and 611.

1. XXXX XXXX XXXX XXXX {$5400.00} 2. XXXX XXXX  XXXX XXXX Account shows a 30-day late payment reported in XX/XX/XXXX. 

These accounts are having a significant negative impact on my creditworthiness, and I am requesting that they be thoroughly verified for accuracy. If they can not be 100 % verified, please delete them from my credit report. 
Thank you for your prompt attention to this matter. Please provide me with written confirmation of the results of your investigation. 
Sincerely, XXXX XXXX Date of Birth : XX/XX/XXXX Last 4 of 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 2025-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bepensa Capital, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX, FinnBe USA repossessed my vehicle and charged off the account. On XXXX XXXX XXXX, they received my certified dispute letter (USPS Tracking No. XXXX XXXX XXXX XXXX XXXX XXXX) requesting validation, including the original contract, payment history, down payment records, balance calculation, and proof of authority to report. Despite receiving this letter, FinnBe USA continued reporting the account to TransUnion on XXXX XXXX XXXX, as if it were still an active auto loan with late payments. They also altered the balance after charge-off. To date, they have ignored my certified dispute and failed to provide validation or correct these inaccuracies, which are clear and willful violations of the FCRA.'

Company response to consumer: Closed with explanation