vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-05 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: GA

Complaint narrative:
I already found a complaint with Experian for not putting my payments from my visible account on my credit report. 

After the complaint they went and only posted XXXX payments. 
Although I sent them proof plus they have access to my account that they were payments made for over a year straight. 
I have the screenshots from my bank account attached showing the payment started in XXXX of XXXX and ended in XXXX of XXXX the account was marked closed but they won't put that on my credit report they haven't now looking as it hasn't been paid since XXXX it's a closed account they don't have it marked as closed it has XXXX to XXXX payments but they only put XXXX they can verify all of those payments on my credit report on my bank account what's so hard about marking the payments starting from XX/XX/XXXX ending in XX/XX/XXXX at which time it was closed. It's a prepaid account the minute you don't pay the account automatically closes. I have a closed account with XXXX payments all made on time and they won't put it on my credit report even though I'm sending them proof even though they can see the proof of my bank account they won't put it on there it would make a difference in my credit score.

James is know if you don't sign up for their membership at XXXX a year they will make your credit report look bad until you do sign up and that's what I'm going through I haveXXXX proof of payment on a closed account that they won't put on my report all payments were made on time

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 2025-12-05 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: TX

Complaint narrative:
am filing a complaint because Equifax is reporting a XXXXEarnest Private Refinance Student Loan on my credit file that is the result of identity theft. I did not apply for, authorize, sign for, or receive any benefit from this loan. Equifax has continued to report this fraudulent account even after receiving my FTC Identity Theft Report and my police report, which legally requires Equifax to block and delete this information under FCRA 605B. 

Equifax is reporting the below accounts XXXX. XXXX XXXX account # XXXX for {$22000.00} XXXX. XXXX XXXX account # XXXX for {$22.00}. I never applied for this loan, never signed any promissory note, and never received any funds. This account was opened without my permission. 

I have provided Equifax with : My FTC Identity Theft Report My police report from XXXX XXXX Police Department, Case # XXXX, which documents that my identifying information was used fraudulently Government-issued identification Proof of address Despite providing all required documentation, Equifax has refused to block or delete the fraudulent Navient account. This is a violation of FCRA 605B, which mandates that a consumer reporting agency must block identity theft information within 4 business days of receiving an identity theft report.

Equifax has continued to furnish this fraudulent account and has failed to uphold its legal obligations. This negative information is severely harming my credit, impacting my housing, mortgage approval, and financial opportunities.

I am requesting that the CFPB require Equifax to : 1. Immediately block and delete the fraudulent XXXX account from my Equifax credit file as required by federal law. 
2. Provide confirmation in writing that the account has been removed and will not be reinserted without legal certification and written notice.

3. Correct all related inaccurate information caused by this identity theft.

Equifax is violating the FCRA by continuing to report and verify an account that is clearly the result of identity theft, despite receiving proper legal documentation. I am requesting CFPB enforcement to ensure Equifax removes this fraudulent account in full compliance with 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
I noticed in 2012 that I was getting multiple cash cards for Cash app in my parents mailbox and ex-wifes mailbox that I never ordered that for further investigation I have found out that my XXXX XXXX phone number, etc., etc. or compromise and found on dark web I contacted my local police department and filed a complaint. I also took other measures and got rid of my government assistance, phone lifeline and upgraded to a paid plan through my family with a new phone number contacted the major three credit bureaus and tried freezing. My credit score still having issues getting in touch with two of those major credit bureaus but multiple of my XXXX and XXXX were taken over and hacked. I had to start new ones and I am trying to recover my other financial accounts. I was able to access my old Cash App account, but I can see that payments were taken out of it and deposits that I had sent never went through, but supposedly they had went through.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: GA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is 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 2025-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I was sent this text several times missing the full mini XXXX. 

with our flexible payment options, there is no reason to delay resolving your XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX- for which the current creditor is LVNV Funding LLC ) account. Check out your options at XXXX XXXX XXXXXXXX or call XXXX. This text is from XXXX XXXX, a debt collector. Reply stop to opt-out

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: GA

Complaint narrative:
I obtained my credit report and found several fraudulent accounts, addresses, date of birth and inquiries on my report. This is hindering me from obtaining credit and a sense of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: MD

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: MD

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1300.00}

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 2025-12-05 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: TX

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 2025-12-05 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: PA

Complaint narrative:
With respect to those it this matter concerns, Upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are negatively impacted. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all negative and critical accounts. 
XXXX XXXX XXXXXXXX You are aware that reporting any information that can not be independently verified is illegal. I need you to give me hard proof that I am responsible for those accounts in line with 15 USC 1692g.

You are also in violation of 15 USC 1681b because I have never given you or any of these companies formal permission to disclose any information on my credit report. This unjust and unfair treatment has caused me severe XXXX and 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 2025-12-05 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: PA

Complaint narrative:
With respect to those it this matter concerns, Upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are negatively impacted. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all negative and critical accounts. 
XXXX XXXX XXXXXXXX You are aware that reporting any information that can not be independently verified is illegal. I need you to give me hard proof that I am responsible for those accounts in line with 15 USC 1692g.

You are also in violation of 15 USC 1681b because I have never given you or any of these companies formal permission to disclose any information on my credit report. This unjust and unfair treatment has caused me severe XXXX and 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 2025-12-05 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: FL

Complaint narrative:
I submitted my identity theft dispute to Equifax on XX/XX/XXXX, including my FTC Identity Theft Report, my government-issued ID, and all required documentation. Despite this, Equifax sent me a stall letter dated XX/XX/XXXX, stating they would not block the fraudulent information and would instead conduct a standard 30-day investigation.

This is a direct violation of FCRA 605B, which requires Equifax to block identity theft accounts within four business days once an FTC Identity Theft Report and proof of identity are provided. I met all legal requirements on XX/XX/XXXX. 

Equifax claimed my documentation was incomplete even though I submitted : My FTC Identity Theft Report ( filed XX/XX/XXXX ) Valid government-issued ID Proof of address Written identity theft dispute Equifax is continuing to report fraudulent accounts including XXXX XXXX XXXXXXXX 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 , along with incorrect names, addresses, and unauthorized inquiries that resulted from identity theft.

Equifaxs refusal to follow the FCRA and block the identity theft accounts has caused continued harm, inaccurate reporting, credit denials, and delays in my ability to secure housing and funding.

Equifax is in violation of : 1. FCRA 605B failure to block identity theft information within 4 business days 2. FCRA 609 ( e ) failure to act properly upon receiving identity theft documentation 3. FCRA 611 failur
e to conduct a reasonable investigation 4. CFPB regulations on dispute handling Requested Resolution : 1. Immediate FCRA 605B blocking and permanent deletion of all identity theft-related accounts, including XXXX XXXX XXXX and the other fraudulent tradelines listed 2. Removal of all unauthorized inquiries tied to the identity theft 3. Correction of all inaccurate personal information ( names, addresses, etc. ) 4. Written confirmation that Equifax has complied with FCRA requirements 5. Correction of their improper dispute handling and refusal to honor my XX/XX/XXXX submission The attached Equifax letter dated XX/XX/XXXX clearly demonstrates noncompliance and refusal to follow federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: NJ

Complaint narrative:
With respect to those it this matter concerns, Upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are negatively impacted. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all negative and critical accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under 15 USC 1666b, a creditor can not legally report a payment as late if they have not ensured that the periodic statement, containing the required information under section 1637 ( b ), was mailed or delivered to the consumer at least 21 days before the due date. Since the creditor failed to meet this obligation, I request that you update the late payments on my account to reflect positive, on-time payments. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You are aware that reporting any information that can not be independently verified is illegal. I need you to give me hard proof that I am responsible for those accounts in line with 15 USC 1692g.

You are also in violation of 15 USC 1681b because I have never given you or any of these companies formal permission to disclose any information on my credit report. This unjust and unfair treatment has caused me severe XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
The company is trying to collect a debt I do not owe. I was forced to leave the apartment with a three-day notice and did not break my lease. After I moved out, they claimed inflated and inaccurate damages, including a {$3500.00} countertop charge that is false. I have video proof from my move-out showing the countertop was not damaged. 

They are also holding me responsible for damages that happened in common areas, not inside my unit. I was not present, did not allow the guests in, and there is no camera footage, logs, or evidence tying the damage to me. The leasing agent had approved the community room use in writing. 

I requested proof of the charges ( photos, invoices, receipts, timestamps, and evidence of my responsibility ), but the company did not provide anything. XXXX kept the account even though the debt can not be verified. I am requesting that the furnisher be required to provide real documentation or remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY
State: MT

Complaint narrative:
I am filing this complaint against TD AUTO FINANCE for their continued failure to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ). I originally disputed the accuracy of account number XXXX on XX/XX/2025. I sent a follow-up on XX/XX/2025, and a second follow-up. Despite multiple notices, TD AUTO FINANCE has not provided any verification, investigation results, or documentation proving the accuracy of these accounts. They have ignored my requests and continue to report information that remains unverified. Under federal law, once a furnisher is notified of a dispute, they are required to conduct a reasonable investigation, review all relevant information, and correct or delete any inaccurate, incomplete, or unverifiable data. TD AUTO FINANCE has failed to do any of these. Their lack of response and continued reporting of unverified information is a clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XXXX year perfect-payment small business customer. During the XXXX government shutdown, slow federal contract payments created temporary cash-flow issues. I proactively called Capital One Spark Business asking for shutdown hardship relief. I was explicitly told the only way to qualify for any assistance or payment deferral was to become past due. I followed their direct guidance. Immediately after the payment was XXXX days late, Capital One closed my {$50000.00} business line of credit, sent it to collections, and exercised right of set-off by emptying my business checking and savings accounts, causing constant overdrafts and NSF fees while I continued to fulfill federal contracts. This turned a temporary cash-flow issue into a catastrophic one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: TX

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( XXXX ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax is reporting repeated XXXX  day late payments on my XXXXXXXX XXXX XXXX XXXXXXXX account without providing any servicer-verified proof. I requested the certified payment history and validation required under FCRA 611 ( a ) ( 2 ), and Equifax did not provide it. Reporting delinquency data without proper verification violates FCRA 602 and 607 ( b ) accuracy requirements.

Company response to consumer: Closed with non-monetary relief