vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am sending this complaint to Experian regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified.

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

I request that these accounts be completely removed from my credit report. Please take immediate action to delete it.

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 2025-06-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AL

Complaint narrative:
In XXXX, a XXXX XXXX account was opened and later sent to I.C. System for collection. I.C. System began contacting me by email in XXXX and XXXX about this debt. I have not made any payments, acknowledged the debt, or restarted the statute of limitations in any way.

This debt is now over three years old and is time-barred under Alabama law , which has a three-year statute of limitations for consumer debt. I.C. System is still attempting to collect, and the account is being reported to the credit bureaus as if it is new or active. 

I requested verification of the debt and that all communication stop. The company has not provided any proof or acknowledged the time-barred status and continues to email me and report it inaccurately. 

This is potentially a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), and I am requesting that the account be removed or corrected immediately.

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 2025-06-21 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 am submitting a new dispute based on updated information and unresolved legal issues concerning the collection account reported by XXXX XXXX XXXX XXXX XXXX, for an alleged XXXX XXXX account with a balance of {$4300.00}. I continue to assert that I never opened or authorized this account, and I am declaring this as a case of identity theft or fraud under FCRA 605B, without the need to file a police report. Equifax and XXXX have failed to provide legally sufficient documentation to verify the debt including a signed agreement, application bearing my Social Security number, or a valid assignment contract from XXXX XXXX XXXX XXXX. This violates FCRA 609 ( a ) ( 1 ) and FDCPA 1692g ( b ). Additionally, this account has been illegally re-aged ; the alleged delinquency is more than 6 years old, yet the tradeline continues to update as recently as XXXX, which violates FCRA 1681c ( a ) ( 4 ). Metro 2 reporting codes are also conflicting the account shows a balance while marked as closed, which is inaccurate and misleading under FCRA 607 ( b ) and 1681e ( b ). If this account can not be verified with full legal documentation, I am demanding its permanent deletion from my Equifax credit report under FCRA 611 ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I disputed the debt from portfolio recovery Associates and asked for specific information which I did not receive. I requested them to validate the debt which they did not do. The debt should have been removed from all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: The Stark Collection Agency, Inc.
State: WI

Complaint narrative:
On XX/XX/year> I noticed an account added to my XXXX account from the same bank that fraudulently used my info before to open accounts. I then reported it to explain town and filed for removal in which it was deleted. As of today XX/XX/year> this same account was added to my XXXX account, which is from the same back that was also removed from my credit report in the past. This bank is steady reporting to my credit report adding accounts fraudulently without my consent. I am a victim of identity theft. Can you please remove this account off my report immediately this is affecting my score. This account of from, XXXX XXXX XXXX age, by landmark credit union in the amount of {$120.00}. I have no clue of this account and dont owe anything to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Formal Dispute and Immediate Deletion Demand Charged-Off Account # XXXX Amount Reported : {$960.00} To Whom It May Concern, This letter serves as a formal dispute of the charged-off account currently being reported by Equifax under the name XXXX XXXX XXXX, account number XXXX with a reported balance of {$960.00}. I am demanding full deletion of this account from my credit report based on serious violations of federal law, including : 1. IRS Code 6050P 1099-C Cancellation of Debt If this account was charged off and a Form 1099-C was filed with the IRS, that means the debt was cancelled. It is unlawful to report a $ balance due after issuing a 1099-C, because the creditor has forgiven the debt for tax purposes. 

I demand confirmation of whether a 1099-C was issued. If so, this account must be immediately deleted. 

2. FCRA Violations 15 U.S.C. 1681 You are required under the Fair Credit Reporting Act to ensure that all information is accurate, complete, and verifiable. Reporting a charged-off account with a {$0.00} collection activity but a {$960.00} balance is conflicting and misleading. I am demanding : - All original signed agreements tied to this debt - The full payment history and charge-off details - Identity of the party who currently owns or services this account - If sold or transferred, the bill of sale or purchase agreement Failure to provide these makes the continued reporting of this debt illegal. 

3. FDCPA Validation Rights 15 U.S.C. 1692g As a consumer, I have the right to demand full validation of this account. You must provide : - The original contract with my signature- All billing statements - Notification of the charge-off - Confirmation of ownership, including any third-party debt collector 's right to report -Purchse Agreement 4. Unjust Damage to My Credit Reporting a charge-off with this balance is unfair and continues to harm my ability to obtain credit, despite the lack of proof this debt is valid, collectible, or legally reportable. 

I DEMAND : - Permanent deletion of this account from my Equifax credit report - A copy of the 1099-C, if issued - Copies of all original documents used to validate this debt - Written confirmation that this account is no longer being furnished -COPY OF Purchase Agreement. 

If this is not corrected within 15 days, I will proceed to file formal complaints with the FTC, and Georgia Attorney General for Equifaxs willful noncompliance. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: Experian Information Solutions Inc.
State: FL

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.

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 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 2025-06-21 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: LA

Complaint narrative:
I recently obtained a copy of my credit report and found multiple accounts that are fraudulent. Please investigate and remove as this is hurting my credit.

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 2025-06-21 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 recently obtained a copy of my credit report and found multiple accounts that are fraudulent. Please investigate and remove as this is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital one secured platinum card company Violated law 12 USC 5481 ( ( 26 ) ) which defines a financial product or service and outlines the responsibilities of financial institutions in how they manage consumer accounts. As a financial institution offering covered financial products or services, your company is required to operate in a fair, transparent, and non-deceptive manner. 

I was given a secured credit card and after 2 months of submitting my personal safeguarded information and making sure my payments were on time and never late they closed my account without notice and placed a charge off on my credit report. Stating that payments have been returned but they can see I made recent on time payments and that there is nothing I can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: AZ

Complaint narrative:
XXXX  XXXX secured platinum card company Violated law 12 USC 5481 ( ( 26 ) ) which defines a financial product or service and outlines the responsibilities of financial institutions in how they manage consumer accounts. As a financial institution offering covered financial products or services, your company is required to operate in a fair, transparent, and non-deceptive manner. 

I was given a secured credit card and after 2 months of submitting my personal safeguarded information and making sure my payments were on time and never late they closed my account without notice and placed a charge off on my credit report. Stating that payments have been returned but they can see I made recent on time payments and that there is nothing I can do about it.

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 2025-06-21 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:
XXXX  XXXX secured platinum card company Violated law 12 USC 5481 ( ( 26 ) ) which defines a financial product or service and outlines the responsibilities of financial institutions in how they manage consumer accounts. As a financial institution offering covered financial products or services, your company is required to operate in a fair, transparent, and non-deceptive manner. 

I was given a secured credit card and after 2 months of submitting my personal safeguarded information and making sure my payments were on time and never late they closed my account without notice and placed a charge off on my credit report. Stating that payments have been returned but they can see I made recent on time payments and that there is nothing I can do about it.

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 2025-06-21 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: AZ

Complaint narrative:
Capital one secured platinum card company Violated law 12 USC 5481 ( ( 26 ) ) which defines a financial product or service and outlines the responsibilities of financial institutions in how they manage consumer accounts. As a financial institution offering covered financial products or services, your company is required to operate in a fair, transparent, and non-deceptive manner. 

I was given a secured credit card and after 2 months of submitting my personal safeguarded information and making sure my payments were on time and never late they closed my account without notice and placed a charge off on my credit report. Stating that payments have been returned but they can see I made recent on time payments and that there is nothing I can do about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: TX

Complaint narrative:
I disputed the XXXX XXXX account on my Equifax credit file multiple times and submitted documentation demanding proof of the debt and a full investigation under the FCRA. Instead of validating the debt, Equifax simply stated that the item belongs to me and made unrelated changes to the reporting including quietly removing the charged-off remark and marking it as verified without any proof. 

I uploaded documentation through the Equifax dispute portal and referenced that I was requesting verification of the debt, not just basic identification. As of XX/XX/year>, the account is still being reported, yet Equifax refuses to provide any legal documentation or true validation from the furnisher. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires a reasonable investigation and verification of accuracy and completeness, not just confirmation that my name is attached. 

Equifaxs response included vague boilerplate language and did not address my actual dispute. If the debt can not be verified and Equifax can not produce documented proof from the furnisher, the account should be immediately removed from my file.

I am demanding a full deletion of this account from my Equifax report and requesting that CFPB investigate Equifaxs repeated failure to follow federal law and their pattern of disregarding proper dispute procedures. This behavior is misleading, negligent, and abusive under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This loan was falsely taken out in the XXXX by a person with a similar name. I PAID this loan under duress in approximately the year 1997, OVER 25 YEARS AGO. The account is being reported as new, and it is not. This furnished information is inaccurate ; a zero-dollar balance can not be substantiated and is false. This false information has decreased my credit score XXXX points, and I demand removal from the credit bureaus. This is a blatant violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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:
According to the 15 usc 1681 I have the right to dispute inaccurate and unverifiable information that's on my credit report. I disputed multiple times with the credit bureaus and it's coming back as updated and verified. I requested even with my other complaint they never sent verification of debt. The ORIGINAL contract bearing my signature & explanation of the amount and how it was calculated. I was involved in several Data breaches and have been a victim of Identity theft Please see attachments.

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 2025-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NJ

Complaint narrative:
Chime was supposed to dispute my account my card got stolen at my job it was XXXX XXXX XXXX XXXX I gave them police report everything it shouldnt be my fault if someone took money out my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: OH

Complaint narrative:
In my consumer reports, there is a late payment on one of my accounts, which I have always maintained timely payments.

My account number ending in 3006, XXXX XXXX XXXX  credit card. I request a thorough investigation into these discrepancies and urge you to provide evidence to such reports. If you can not provide proof, please correct the records and update my credit report. Thank you.

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 2025-06-21 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:
My name is XXXX XXXX XXXX. I am filing this complaint because Equifax is violating FCRA XXXX XXXX by refusing to block identity theft-related accounts and inquiries, despite having received proper documentation. 

I submitted : A valid FTC Identity Theft Report A signed identity theft affidavit My ID and SSN card Equifax accepted these same documents to correct inaccurate names and addresses on my credit file which they did successfully. However, they are now claiming that the same documents are " under investigation '' and are refusing to block the fraudulent accounts and inquiries. 

XXXX XXXX Acct # XXXX XX/XX/XXXX XXXX {$1500.00} XXXX Acct # XXXX XX/XX/XXXX XXXX {$280.00} XXXX XXXXXXXX Acct # XXXX XX/XX/XXXX XXXX {$240.00} XXXX Acct # XXXX XX/XX/XXXX XXXX {$23000.00} XXXX Acct # XXXX XX/XX/XXXX XXXX {$3900.00} XXXX XXXX Acct # XXXX XX/XX/XXXX XXXX {$31000.00} XXXX XXXX Acct # XXXX XX/XX/XXXX XXXX {$15000.00} XXXX XXXX  Acct # XXXX XX/XX/XXXX XXXX {$7800.00} XXXX XXXX  Acct # XXXX XX/XX/XXXX XXXX {$150.00} XXXX - Date of Inquiry : XX/XX/XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX  - Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX LEASEEND - Date of Inquiry : XX/XX/XXXX XXXX CREDIT/LEASE END XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX It has been more than XXXX business days since I reported the identity theft and provided all required documents. FCRA Section XXXX requires Equifax to block this information within XXXX business days. Instead, I was told my case was moved to a back office and remains unresolved. I was also given an employee ID during my call, and was told they will not act until an internal review is completed which is not in compliance with the law. 

I am requesting the CFPB to intervene and enforce my rights under federal law. Equifax must block the fraudulent accounts and inquiries from my report immediately and provide a written confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: GA

Complaint narrative:
I am requesting that Transunion, Experian, and Equifax validate three accounts listed as charge offs. I have not received any proof that this is true. I previously sent several dispute letter la to all consumers agencies requesting how they were able to verify this information. Accounting to XXXXXXXX XXXX XXXX verification is attesting of certifying that it is true. 

Investigate these accounts : XXXX. ) XXXX XXXX XXXX Account # : XXXX XXXX. ) XXXX Account # : XXXX XXXX. ) XXXX XXXX - XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: TN

Complaint narrative:
I made a sponsored cash app account for my daughter, she broke her phone and was not able to gain access to her account so she made a new one. Cash app is with holding the funds I have requested to have them transferred to her new account multiple times over the course of XXXX years. They keep denying my request and not including any information.

Company response to consumer: Closed with explanation