vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 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 2025-09-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: NC

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX and their collector, Rent Recovery Solutions, for fraudulent and unsupported move-out charges from my former residence at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC ( XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ). 

XXXX  billed us for : {$36.00} in utility charges for a cycle beyond our tenancy. Yes XXXX XXXX confirmed no such billing exists. The leasing manager XXXX XXXX only provided internal screenshots, not actual bills. 

{$380.00} carpet replacement fee despite the carpet bump being documented in the move-in sheet. No invoice or proof of replacement was provided by XXXX ( leasing manger ), and we have photo/video evidence showing the carpet was undamaged at the move out. 

{$240.00} cleaning fee even though the unit was cleaned and left undamaged. Again, no invoice was provided, and their photos do not show any valid issue. 

XXXX  issued the final bill on XX/XX/XXXX, and sent the account to collections ( Rent Recovery Solutions ) the very next day without giving us a chance to dispute. Requested move-out walkthroughs were repeatedly denied, by leasing Manger XXXX XXXX and XXXXur resident portal access was revoked to block access to statements ( we downloaded a copy beforehand that shows inconsistencies ). 

I disputed all charges with Rent Recovery Solutions by mail before XX/XX/XXXX, with supporting evidence, and have not received any response from them about the disputed charges. XXXX  manager, XXXX, continues to avoid providing invoices or proof and instead shifts the conversation despite my multiple attempts of emailing her the details and evidences of an undamaged and clean unit at the move out

Company response to consumer: Untimely response
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
The company is attempting to collect a debit. I responded twice in writing asking for verification that I in fact owe the debit. The company has ignored my letters and continues to try and collect on the debit. They have threatened me twice with vehicle repossession without providing me proper documentation that I owe said debit. This company is well known for deceptive and illegal loan practices. The company has already been disciplined by the CFPB in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX XXXX, XXXX, XXXX/XXXX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of credit card with XXXX XXXX on XXXX under the account number XXXX with a balance of XXXX. An auto loan account opened at XXXX XXXX on XXXX under account number XXXX with a balance of XXXX. An account open with National credit system inc on XXXX under account number XXXX with a balance of XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I asked for contract as proof of debt. I dont know whose account this is so I need proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
I have the reason to believe your company is reporting wrongful information to my credit report and I would like for it to be updated. I would like to update my Name, Address, Social Security. Date of birth, phone number and email. I am requesting that you investigate these discrepancies and correct or remove all inaccurate personal information from my credit report as required under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX Date of Birth XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Social XXXX Phone : XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
Over {$900.00} of crypto currency being held hostage over a supposed disputed/failed depositbtransaction ( {$200.00} ). I spoke to support and asked them if they are sure these funds were even released to me .. they cant answer the question. I said if you can prove these funds were released & disputed you can go ahead and charge the card or my bank account on file. Six support tickets/cases later, including a 6 day wait and still no response they have now held my money hostage for over 10 days! Unbelievable!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am submitting this complaint regarding inaccurate and unlawful reporting by Experian, Equifax, and TransUnion. Despite multiple disputes, these agencies continue to report charged-off and collection accounts that were purchased by other lenders, as well as hard inquiries from XXXX XXXX XXXX XXXX XX/XX/year>XXXX  ) and XXXX XXXX XXXX XXXX XX/XX/year>XXXX  ). 

These items are the result of identity theft and unauthorized access, as confirmed in my FTC Identity Theft Report ( # XXXX  ). Additionally, the credit bureaus have been subject to recent data breaches and lawsuits for failing to safeguard consumer data, further compromising my information. 

I am requesting the CFPB to enforce immediate removal of all fraudulent accounts, inquiries, and related negative items, and ensure compliance with the Fair Credit Reporting Act ( FCRA ) and Servicemembers Civil Relief Act ( SCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: VA

Complaint narrative:
I am submitting this complaint regarding inaccurate and unlawful reporting by Experian, Equifax, and TransUnion. Despite multiple disputes, these agencies continue to report charged-off and collection accounts that were purchased by other lenders, as well as hard inquiries from XXXX XXXX XXXX XXXX XX/XX/year>XXXX  ) and XXXX XXXX XXXX XXXX XX/XX/year>XXXX  ). 

These items are the result of identity theft and unauthorized access, as confirmed in my FTC Identity Theft Report ( # XXXX  ). Additionally, the credit bureaus have been subject to recent data breaches and lawsuits for failing to safeguard consumer data, further compromising my information. 

I am requesting the CFPB to enforce immediate removal of all fraudulent accounts, inquiries, and related negative items, and ensure compliance with the Fair Credit Reporting Act ( FCRA ) and Servicemembers Civil Relief Act ( SCRA ).

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I was a recipeint of Federal Housing ( Section 8 ) during this process. My section 8 benefits were paid in full when an unlawfu detainer took place. The XXXX XXXX Sheriff 's Dept. do not have filed legal documentation suggesting superior court procededures occurred during these actions. A XXXX document was enforced during this time as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
GoodLeap is inaccurately reporting my account as a charge-off with a balance of {$75000.00} to XXXX, XXXX, and XXXX. This is false and violates the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ) because : GoodLeap continues to bill me monthly ( most recent bill dated XX/XX/year> for {$8800.00} ). 
A charge-off means a debt is written off and closed, yet GoodLeap is still collecting.

Reporting both an active billed balance and charge-off at the same time is inaccurate and misleading. 

Further, under FCRA 623 ( a ) ( 2 ), furnishers must correct and update incomplete or inaccurate reporting. They have failed to do so despite prior disputes.

Under FCRA 623 ( b ) ( 1 ), upon receiving a dispute, GoodLeap must conduct a reasonable investigation and either correct or delete the tradeline. To date, no correction has been made.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 807 [ 15 U.S.C. 1692e ], it is unlawful to misrepresent the character or legal status of a debt. Reporting a charge-off while billing me monthly is a misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: EQUIFAX, INC.
State: VA

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 2025-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Westlake Services, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX. This CFPB complaint has been filled to request pursuant to FCRA & 605b ( 15 U.S.C & 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. this fraudulent, inaccurate and false information consists of a An auto loan account opened at Westlake services on XXXX under account number XXXX with a balance of XXXX. These accounts have resulted in several fraudulent hard inquires and fraudulent collection appearing on my consumer XXXX credit report. I demand that aforementioned fraudulent items be removed from each of my consumer credit reports and all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: OK

Complaint narrative:
My Cash App account was closed for almost 2 years now. I never received information as to why. I hardly used the account nor did I add money into it. Ive been trying for these past years to get my account reopened, never got a response from Cash App. I would like to get my account reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 15 USC 1681. 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 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate. The following personal information is inaccurate, please remove XXXXXXXX XXXX XXXX XXXX XXXXXXXX, tx XXXX incorrect employer : 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 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 


I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding WFBNA CARDs failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with XXXX XXXX XXXX XXXX yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. WFBNA CARD has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

WFBNA CARD 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 2025-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Subject : Fraudulent Accounts Request for Block under FCRA Section 605B To Whom It May Concern, I am writing to formally dispute and request the removal of fraudulent accounts that have been reported on my credit file, in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ). These accounts are the result of identity theft and do not belong to me. 

The accounts in question are as follows : 1. 1.Account name : XXXX XXXX XXXX Account balance : {$340.00} Date opened : XX/XX/XXXX Account Number : XXXX XXXX. Account name : XXXX XXXX XXXX Account balance : {$210.00} Date opened : XX/XX/XXXX Account Number : XXXX XXXX. Account name : XXXX XXXX XXXX XXXX. Account balance : {$300.00} Date opened : XX/XX/XXXX Account Number : XXXX XXXX. Account name : XXXX XXXX XXXX  XXXX. Account balance : {$600.00} Date opened : XX/XX/XXXX Account Number : XXXX XXXX. 1.Account name : XXXX XXXX Account balance : {$0.00} Date opened : XX/XX/XXXXXXXX  Account Number : XXXX I have never opened or authorized these accounts and believe they were opened using my personal information without my knowledge or consent. Under FCRA 605B, I am requesting that these accounts be blocked from my credit report within the legally mandated timeframe. 

As required by law, I am including the following documents to support my claim : 1. A copy of a valid government-issued photo ID 2. A copy of a utility bill or other proof of address 3. FTC Identity Theft Report ( if applicable ) 4. A written statement asserting that these accounts are the result of identity theft Please investigate this matter and provide written confirmation that the fraudulent accounts have been removed or blocked from my credit file. This letter also serves as a formal request under the FCRA that you do not reinsert the fraudulent information unless you complete the reinvestigation and notify me in writing as required by law. And please upload a file of my credit report through the cfpb portal. 

I appreciate your prompt attention to this matter and expect a resolution within the timeframe required under federal law.

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 2025-09-24 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: IN

Complaint narrative:
Date : XX/XX/2025 Equifax Inc. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Agency, I am writing to formally request the removal of an account from my credit report as reported by Equifax. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a collection for {$280.00} from XXXX XXXX XXXX, listed on my XXXX  credit report, and following a thorough investigation, XXXX  has completely removed this unverifiable debt from my report as of XX/XX/2025. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX  has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. 
Since XXXX  has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complet
e and accurate information. With XXXX  having deemed this information unverifiable, I urge you to align its records accordingly. 

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful noncompliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation