vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported multiple hard inquiries on my credit file that I did not initiate, authorize, or consent to. This conduct violates my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ), as well as 15 U.S.C. 1681g ( a ) ( 5 ). These provisions prohibit the reporting of inquiries not initiated by the consumer unless there is lawful permissible purpose, prior written authorization, or a firm offer of credit.

I have never provided consent for these inquiries, nor have I authorized any third party to access my credit information. The continued reporting of these unauthorized inquirieswithout verifiable proof of permissible purpose, such as a copy of my signed authorizationconstitutes a clear violation of federal law. I respectfully request that this matter be 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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-17 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
Somebody is committing crimes in my name opening checking accounts mortgage taking loans out not paying them this has been going on for 17 years I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
I have reviewed the response made by the business in reference to CFPB Complaint ID : XXXX, and have determined that this does not resolve my complaint, and the reason why is : M & Ts reply incorrectly states that I was made aware during my XX/XX/16 autopay update that, because my account was not current, autopay would not draft and a manual payment was required. This is not accurate. At no point was I told that the updated autopay would not process my next payment or that I needed to make a manual payment to bring the account current. 

After updating and re-authorizing autopay on XX/XX/16, I believed the issue was resolved and that both the prior returned payment and the XX/XX/XXXX payment would draft normally. M & T failed to communicate otherwise and failed to draft the XXXX payment despite autopay being active. 

Because this delinquency resulted from a lack of notice and unclear communicationnot a refusal or failure to paythe late credit reporting is inaccurate and incomplete. 

Please see my attached letter for a concise explanation. I request that the CFPB keep this case open until M & T directly addresses these issues in my letter attached. 


Regards, 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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity.

Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported multiple hard inquiries on my credit file that I did not initiate, authorize, or consent to. This conduct violates my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ), as well as 15 U.S.C. 1681g ( a ) ( 5 ). These provisions prohibit the reporting of inquiries not initiated by the consumer unless there is lawful permissible purpose, prior written authorization, or a firm offer of credit.

I have never provided consent for these inquiries, nor have I authorized any third party to access my credit information. The continued reporting of these unauthorized inquirieswithout verifiable proof of permissible purpose, such as a copy of my signed authorizationconstitutes a clear violation of federal law. I respectfully request that this matter be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV is reporting multiple duplicate accounts for the same alleged debt, with conflicting balances, inconsistent dates of last payment, and different dates of last activity. They have provided no validation or proof of ownership despite disputes. This violates FCRA 1681s-2 ( a ) and 1681s-2 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: IN

Complaint narrative:
I am attempting to settle a medical collection for {$640.00} ( opened XX/XX/2023 ). I have a release letter from my prior debt-management program ( XXXX XXXX ) and offered {$160.00} {$180.00} lump-sum payment with full deletion from all three credit bureaus. XXXX is refusing anything below approximately {$400.00}. When I asked to speak to a supervisor I was told none was available and to leave a voicemail with no callback. This feels like an unfair refusal to negotiate in good faith on medical debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
The FTC portal is currently unavailable due to the government shutdown, so I am submitting my sworn identity-theft declaration directly to the CFPB and the credit reporting agencies.

This complaint concerns Experian, Equifax, and TransUnion collectively, as all three credit reporting agencies are reporting fraudulent accounts, inaccurate personal information, and data resulting from identity theft and a documented data breach. My sworn identity-theft declaration applies to all three bureaus.

This declaration is being submitted under 15 U.S.C. 1681c-2 ( FCRA 605B ) and 28 U.S.C. 1746 as a sworn statement of identity theft.

The accounts, inquiries, addresses, and information listed on my credit report do not relate to any transaction or activity by me. These items appeared on my report without my authorization and are the result of identity theft.

I have attached : My sworn identity-theft declaration My police report Screenshots proving a data breach involving my personal information Proof of identity Despite providing evidence, the fraudulent accounts and incorrect personal information continue to appear on my credit report, causing harm to my credit, housing opportunities, and financial stability.

I am requesting CFPB intervention to ensure full compliance with the FCRA because the bureaus and furnishers have failed to properly investigate or block the fraudulent data as required by 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 explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
I have multiple accounts that i have reported as fraud with the police and the federal trade commission. I have multiple sources telling me that my social is being used on the Dark web and provided evidence of this. All of these accounts on my credit were established while i was in Treatment without the use of internet and could not open the accounts and they have been on going for multiple years, i did not know about the fraud until another company started garnishing my wages without ever contacting me about the money they thought I owed, now i have more people calling me and the people i know to try and collect the fraudulent debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: VA

Complaint narrative:
WILLFUL VIOLATIONS OF 15 U.S.C. 1681e ( b ), 1681i, 1681c- DEMAND FOR IMMEDIATE REMOVAL AND ENFORCEMENT ACTION This complaint concerns repeated, systematic, and negligent violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion in relation to : Unlawful reinsertion of disputed information previously deleted from my credit report, without certification of accuracy or proper notice as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Failure to follow reasonable procedures to assure maximum possible accuracy as mandated by 15 U.S.C. 1681e ( b ).

Failure to properly reinvestigate disputed information under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Failure to block and remove accounts after furnishing evidence of identity theft/fraud.

Possible reporting of obsolete information, in violation of 15 U.S.C. 1681c.

Examples : XXXX  XXXX ACCOUNT : Despite multiple disputes and temporary removals, TransUnion has willfully reinserted this account without required certification or consumer notice. 

XXXX XXXX XXXX XXXX : Similar repeated inaccurate reporting, removals, and unlawful reinsertion. 

Prior Related CFPB Case Numbers : XXXX ( TransUnion - XX/XX/XXXX ) XXXX ( TransUnion - XX/XX/XXXX ) XXXX ( TransUnion - XX/XX/XXXX ) XXXX ( TransUnion - XX/XX/XXXX ) XXXX ( TransUnion - XX/XX/XXXX ) XXXX ( TransUnion - XX/XX/XXXX ) XXXX ( TransUnion - XX/XX/XXXX ) XXXX ( TransUnion - XX/XX/XXXX ) These repeated violations establish willfulness under Safeco Ins. Co. v. Burr, 551 U.S. 47 ( XXXX  ), exposing TransUnion to statutory damages and demanding immediate CFPB enforcement 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 non-monetary relief
Consumer complaint received 2025-11-17 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: CT

Complaint narrative:
I am submitting this complaint regarding my XXXX DE XXXX DE XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX. During the months of XXXX, XXXX, and of XXXX, the account was reported as past due. This reporting is incorrect. The balance on this account has since been fully paid, and I am requesting that the credit reporting agencies update the status to reflect that the account is paid. 

The inaccurate reporting is negatively affecting my credit profile, and I am requesting that the CFPB assist in ensuring XXXX XXXX  corrects this information as required under the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter.

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 2025-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing this formal complaint to demand immediate action against Equifax, Experian, and TransUnion for their willful and negligent failure to correct a fraudulent account on my credit reports, constituting a clear violation of their legal duties under the Fair Credit Reporting Act ( FCRA ). 

The account at the center of this gross inaccuracy is the XXXX XXXX account XXXX XXXX. This account is unequivocally fraudulent and does not belong to me. Its persistent presence on my reports across all three major bureaus is not a simple error ; it is direct evidence of a broken and reckless system that ignores federal law. 

This is a textbook violation of : FCRA 1681e ( b ) : The bureaus have demonstrated a fundamental lack of " reasonable procedures to assure maximum possible accuracy '' by failing to prevent and correct this obvious mixed-file error. 

FCRA 611 [ 15 U.S.C. 1681i ] : My previous disputes have been met with what can only be described as " sham investigations, '' where the bureaus merely asked the furnisher to confirm data they already had, rather than conducting a meaningful inquiry into my claim of fraud. 

FCRA 623 [ 15 U.S.C. 1681s-2 ] : The furnisher, XXXX XXXX XXXX has failed in its duty to conduct a proper investigation upon receiving a dispute notice from the bureaus.

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 2025-11-17 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: CBC Companies, Inc.
State: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: VA

Complaint narrative:
I noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. The fraudulent accounts include : On XX/XX/XXXX I noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. The fraudulent accounts include : XXXX - Student Loans-Account Number : XXXX Date opened : XXXX XXXX XXXX XXXX- XXXX  Loans-Account Number : XXXX Date opened : XX/XX/XXXX XXXX  - XXXX  Loans- Account XXXX - Date opened : XX/XX/XXXX XXXX -collection- Date opened : XX/XX/XXXX XXXX XXXX collection- Date opened : XX/XX/XXXX XXXX XXXX  XXXX -collection- XXXX opened : XX/XX/XXXX XXXX  - collection- Date opened : XX/XX/XXXX XXXX -collection- Date opened : XX/XX/XXXX XXXX -collection- Date opened : XXXX XX/XX/XXXX XXXX XXXX  - collection- Date opened : XX/XX/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 2025-11-17 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: Paypal Holdings, Inc
State: MA

Complaint narrative:
This complaint is a continuation of CFPB complaint # XXXX. XXXXPayPal marked the issue as resolved even though the underlying problem is not resolved. I dispute their response and request further investigation. Your message states that the reason my account was flagged as high-risk
was because the Direct Deposit

feature was recently added to my account. I want to make clear that I never set up, enabled, or attempted to use
Direct Deposit on my XXXX  account at any time.

Because I never used Direct Deposit, this raises two possible issues : 1. Your internal review is relying on inaccurate or incorrect account information, or 2. My account may have been flagged due to an internal error, not any risky or fraudulent behavior on my part.

While I appreciate that my funds have now been released, the explanation you provided does not make sense and does not align with my actual account activity.

Additionally : My account was restricted without a valid explanation.

My funds were held for an extended period with no clear justification.

I received conflicting statements : the first message said my account was permanently restricted and the funds would not be released, but this latest message claims the risk was mitigated.

I was given no chance to clarify or dispute the information before being locked out.

For these reasons, I do not consider this matter resolved.

I request that XXXX  : 1. Correct the inaccurate statement regarding Direct Deposit, 2. Provide a factual explanation for the restriction, and 3. Confirm what risk was identified if the Direct Deposit claim is incorrect.

Please reopen this case and address the inaccuracies in the explanation provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NM

Complaint narrative:
On XX/XX/year>, I was XXXX  on XXXX XXXX in XXXX, New Mexico by a XXXX XXXX State Trooper. During the arrest, my cell phone was left at the scene by the arresting officer. After I was taken into custody, someonepresumably XXXXXXXX XXXXpicked up my phone. I did not have possession of my phone or any access to my Cash App account from that moment forward. 

I was booked into the XXXX XXXX XXXX on XX/XX/year> and remained in custody until XX/XX/year>. During this entire period ( XX/XX/year> through XX/XX/year> ), I had no access to my phone, Cash App, or any financial accounts. 

While I was detained, multiple unauthorized Cash App transactions were made from my account to XXXX XXXX. I did not authorize these transactions, and they occurred at times when I was in custody with no ability to use my device. 

The unauthorized transactions were : XX/XX/year> {$140.00} sent to XXXX XXXX with note For : tcks  at XXXX XXXX  ( Transaction # XXXX ) XX/XX/year> {$100.00} sent to XXXX XXXX with note For : food at XXXX XXXX  ( Transaction # XXXX ) XX/XX/year> {$150.00} sent to XXXX XXXX with note For : hey at XXXX PM ( Transaction # XXXX ) I attempted to dispute these fraudulent transactions through the Cash App in-app dispute system, but the system does not allow me to upload any supporting documentation. I repeatedly informed Cash App that I was detained at the time of the transactions and that I have official jail documentation to prove it. Cash App continued directing me to start another dispute, which puts me back into the same system that does not permit document uploads. 

Cash App has refused to escalate my case, provide a manual review, or offer any method for me to submit evidence. As a result, I can not resolve a clear case of unauthorized access and fraud that occurred while I was incarcerated. 

I am requesting that Cash App be required to accept my documentation, review the case manually, and issue refunds for the unauthorized transactions made while I was in custody and unable to access my account.

Company response to consumer: Closed with explanation