vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 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: LA

Complaint narrative:
I have recently become aware of unauthorized accounts due to a data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request the immediate blocking and deletion of the following accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX LA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : 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 XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$20.00} XXXX XXXX XXXX Account Number : 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, Date Opened : XX/XX/XXXX, Balance : {$50.00} XXXX XXXX XXXX Account Number : 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 XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$370.00} AFFIRM XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14.00} Inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NM

Complaint narrative:
I owed around {$700.00} to XXXX XXXX due to multiple repeated overdraft fees that I didn't feel I had made. They held charges back for a long time, then ran them all through at once when my account was low, accruing multiple overdrafts. I fought with XXXX XXXX and they sold the debt to Portfolio Recovery Associates, an amount of {$3900.00}, apparently accruing interest over years to increase the debt to such a high number. I received a letter saying that they are discharging my debt, so I thought I didn't owe it. I never received any information on how to make payments or if I could dispute the amount until my boss received a notice of wage garnishment for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
I previously filed a complaint against XXXX XXXX XXXX ( CFPB Ref # XXXX ) regarding a {$2400.00} XXXX XXXX  XXXX XXXX XXXX XXXX confirmed they never owned the debt, ceased collection, and submitted deletion requests to the credit bureaus in XX/XX/year>. XXXX XXXX XXXX also could not confirm ownership. Now, Credence Resource Management is reporting the same debt to XXXX  without ever notifying me of a transfer or providing validation. I emailed XXXX on XX/XX/year>, requesting full validation under the FDCPA, including proof the debt belongs to me and that they are authorized to collect. I have received no documentation. This is a clear violation of the FDCPA and FCRA. The debt remains unverified and should be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
This company affirm they are playing games with me. Theyre telling me to send the police report and everything when I did theyre telling me I need to fill out an affidavit well in order to fill out the affidavit. I have to sign it into account and I dont have an account to sign in these guys are playing games. I have a police report and Im gon na make an extra Report with the FTC again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account 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 2025-06-09 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: CT

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 non-monetary relief
Consumer complaint received 2025-06-09 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: KY

Complaint narrative:
XXXX EQUIFAX XXXX KEEPS BREAKING THE LAW ATTN EQUIFAX XXXX XXXX ACCORDANCE TO TITLE 15 USC 6801 a b 1 2 3 4 PROTECTION OF NON-PUBLIC PERSONAL INFORMATION USC 6803 a 1 2 3 b. usc 1681a 2, 15 usc 1681b, 15 usc 1681s-1 I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE PRIVATE UNAUTHORIZED ACCTS # XXXX, ACCT # XXXX TO BE FURNISHED TO MY CONSUNER REPORTS PLEASE DELETE IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: Experian Information Solutions 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 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  List of Unauthorized Inquiries : 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 knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo failed to notify XXXX XXXX XXXX breach within 10 days. Mailed debit card and activation of card admitting the error. My funds were literally siphoned from my account and continuously until all funds were wiped out and then my account was closed. This was never authorized or even aware of. Under FDIC I request my funds returned immediately due to the fact this was a banking internal problem allowing the fraud and theft of my finances. I have the letters, police reports and more regarding some of the missing funds but the remainder was not accounted. Return my money they allowed to be stolen then had the audacity to victimize me in writing regarding the conditions of the matter which is completely unacceptable in action and practices.

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 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Prosper Marketplace, Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX, I made a payment to my Prosper credit card account of {$500.00}. At that time, my overall credit limit was {$1600.00} and there was a {$29.00} interest charge. So it showed my available credit on that statement correctly at around {$520.00}. I made no purchases since then. On XX/XX/XXXX, the day after my statement cycle ended, they decreased my credit limit to {$1300.00} supposedly due to a report from the credit bureau because my score went down. 

Now I have an available credit limit of {$220.00}. So not only did they decrease my overall credit limit by {$300.00} but that money was taken away from my payment and kept by the company. My balance should be {$770.00} with an available credit of {$520.00}. 

I called the company on Monday, XX/XX/XXXX after monitoring my account for a couple weeks to see if the problem fixed itself. I called them to talk about it spoke with an initial representative and then transferred me to a supervisor and both of them said because it happened after my cycle ended theres nothing they can do. Now Im filing this report.

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 2025-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$75.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$8200.00}

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 2025-06-09 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:
I am disputing multiple accounts that appear inaccurately on my credit report. I believe the following accounts are either erroneous, outdated, or unverifiable : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX and XXXX XXXX XXXX. 

Despite previous efforts, these accounts continue to reflect negatively on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is not 100 % accurate or verifiable. I am requesting a full reinvestigation and removal of these items if they can not be fully verified. 

Additionally, I am aware that Experian, Transunion and Equifax was recently sued by the Consumer Financial Protection Bureau ( CFPB ) for failing to properly investigate consumer disputes. This highlights a broader concern about how credit bureaus handle consumer complaints and reinforces the need for a legitimate and thorough investigation. 

I am requesting that these items be removed and not reinserted unless fully verified. If this request is not handled properly and within the required timeframe, I am prepared to escalate the issue by filing formal complaints and potentially pursuing legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: CA

Complaint narrative:
I am disputing multiple accounts that appear inaccurately on my credit report. I believe the following accounts are either erroneous, outdated, or unverifiable : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX and XXXX XXXX XXXX. 

Despite previous efforts, these accounts continue to reflect negatively on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is not 100 % accurate or verifiable. I am requesting a full reinvestigation and removal of these items if they can not be fully verified. 

Additionally, I am aware that Experian, Transunion and Equifax was recently sued by the Consumer Financial Protection Bureau ( CFPB ) for failing to properly investigate consumer disputes. This highlights a broader concern about how credit bureaus handle consumer complaints and reinforces the need for a legitimate and thorough investigation. 

I am requesting that these items be removed and not reinserted unless fully verified. If this request is not handled properly and within the required timeframe, I am prepared to escalate the issue by filing formal complaints and potentially pursuing legal action.

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 2025-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XX/XX/year> I pay off almost my entire credit balance with XXXX XXXX XXXX company, so they do a review from Transunion, a report is sent shows I've paid on time for XXXX  years on all accounts, never late with them, but they still lower my credit to {$700.00} based on this credit review saying I'm a " bad '' credit risk. How when I've not missed a payment with them, and just paid off almost my entire credit limit with them, over {$5000.00}? 
They have created a situation that I can not recover from. The credit card companies continue to close accounts and drop limits from Transunion saying I have high credit to debt ratios. It's a vicious circle. So it allows them to continue to charge me higher interest rates and more fees. I can't get more credit to fix the problem and the card companies will not give me a higher limit because of this. I pay more to fix the problem and they continue to lower my credit limits. It's a racket to continue to make both of them money.

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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to follow up on my previous dispute letter regarding inaccurate, unverifiable, and potentially fraudulent accounts still being reported on my credit file. Despite my formal request for reinvestigation and correction, I have yet to receive a complete or satisfactory response outlining the verification procedures used or documentation obtained to substantiate these accounts.

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 2025-06-09 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: KY

Complaint narrative:
I am a victim of identity theft. Accounts and inquiries have appeared on my credit reports that I did not open or authorize. I am requesting these fraudulent items be investigated and removed. 

XXXX XXXX / {$1500.00} from XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} from XXXX XXXX XXXX XXXX {$1.00} from XXXX XXXX XXXX {$300.00} from XXXX I have filed a police report about this aw well!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: KY

Complaint narrative:
I am a victim of identity theft. Accounts and inquiries have appeared on my credit reports that I did not open or authorize. I am requesting these fraudulent items be investigated and removed. 

XXXX XXXX / {$1500.00} from XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} from XXXX XXXX XXXX XXXX {$1.00} from XXXX XXXX XXXX {$300.00} from XXXX I have filed a police report about this aw well!

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 2025-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
cashapp an XXXX XXXX  and XXXX  XXXX  my identity was stolen years ago and someone was doing fraud with my information i froze my identity thru experian an now i cant open any of those accounts

Company response to consumer: Closed with explanation