vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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: PA

Complaint narrative:
I am submitting this complaint because my Equifax credit report contains multiple accounts that I believe are inaccurate, unverifiable, or impacted by unauthorized use. I have been a victim of multiple data breaches, which may have exposed my personal information and contributed to these inaccuracies. 

Charged-Off Accounts in Dispute XXXX  XXXX XX/XX/XXXX {$1100.00} XXXX  XXXX XX/XX/XXXX {$2000.00} XXXX  XXXX XX/XX/XXXX {$5100.00} XXXX  XXXX XX/XX/XXXX {$1400.00} XXXX  XXXX XX/XX/XXXX {$3200.00} XXXX  XXXX XX/XX/XXXX {$910.00} XXXX  XXXX XX/XX/XXXX {$5100.00} XXXX  XXXX XX/XX/XXXX {$1600.00} XXXX  XXXX XX/XX/XXXX {$2000.00} XXXX  XXXX XX/XX/XXXX {$4100.00} XXXX request that Equifax verify each of these accounts directly with the creditor. If any account can not be verified or was affected by unauthorized access, I request its removal from my credit report. 

There are no inquiries, late payments, or positive accounts in dispute with Equifax at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: MI

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$1900.00} - Date Opened : XX/XX/XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$2700.00} - Date Opened : XX/XX/XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$790.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$800.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion

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 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: ND

Complaint narrative:
I made a transaction to XXXX XXXX on Cash App for {$35.00} and I made XXXX in app complaints about it and I was on a XXXX minute call with Cash App. I have all the documentation and all the proof. I think I even see another scam victim or XXXX when she shared her screen. Its a real person I think. Cash App should handle this accordingly I hope

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SOP Pioneer Partners LP
State: HI

Complaint narrative:
Applied for the SCRA and they are saying the loan does not apply because its and installment loan. When in fact installment and personal loans are authorized under the SCRA Louisiana Law. They charge high interest rates to the families due to their needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/year> & XX/XX/year> Experian has incorrect personal identifying information associated with my consumer file, including the wrong email address and first name. Because of this, I am unable to access my Experian account, verify my identity online, or review my credit report. 

I have attempted multiple times to contact Experian by phone, but the automated system blocks me, repeatedly redirects me to digital self-service, and refuses to connect me to a live representative. I can not complete identity verification through the automated system because the incorrect personal information on file prevents me from passing authentication. 

At this point, Experian is denying me access to my federally-protected right to review and correct my consumer report. I am also unable to monitor my credit for potential fraud or errors due to Experians failure to provide a reasonable method to reach a human agent for identity resolution. Their refusal to provide manual access and identity correction constitutes a failure to provide proper consumer access under the Fair Credit Reporting Act ( FCRA ) and CFPB consumer-access rules. 

I am requesting CFPB intervention to ensure Experian manually verifies my identity, corrects the inaccurate personal information on my file, restores access to my account, and provides me with direct contact to a live representative for resolution. 

Thank you for your assistance in restoring my rights and access to my credit file.

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 2025-10-30 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: DE

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 Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit 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 2025-10-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: ZIONS BANCORPORATION
State: NV

Complaint narrative:
XXXX in XXXX XXXX has only XXXX ATM that is down way too frequently. I am going back 20 years. It was so bad that they forged a relationship with a nearby XXXX that a XXXX customer could use their ATM with no fee. That relationship has ended as well as XXXX closed the closest Branch to XXXX XXXX. This problem has been going on for decades. They will adjust your ATM fees if you complain but can not adjust the fees from the other ATM provider that you are forced to use. They admit the problem but can't seem to fix 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 2025-10-30 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: CA

Complaint narrative:
Subject : Formal Dispute Inconsistent Reporting of Repossession Account Dear Experian, I am disputing the accuracy of a XXXXXXXX XXXX XXXX account reported on my credit file. 
Account Name : XXXXXXXX XXXX XXXX Account Number ( partial ) : XXXXXXXX XXXX XXXX XXXX XXXX This account appears as Paid with a repossession status, yet it shows a {$0.00} balance and no past due amount. The inconsistency between Paid and Repossession makes this entry misleading and potentially inaccurate under FCRA 607 ( b ).

I request a thorough investigation and verification of : The accuracy of the accounts status description ( Paid vs. Repossession ) Whether this account should continue to reflect a repossession since it was paid and closed. 
The correctness of the Last Reported Date ( XX/XX/year> )

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 2025-10-30 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: CT

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: NJ

Complaint narrative:
I am writing to formally dispute inaccurate and unverifiable information currently appearing on my Experian credit report. This letter also serves as notice of your failure to properly investigate my previous dispute. Under the Fair Credit Reporting Act ( FCRA ), you are legally required to report only 100 % accurate, complete, and verifiable information.

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 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
This correspondence serves as a formal legal notice and demand for immediate payment of funds owed to me pursuant to the resolution of XXXX PayPal dispute cases decided in my favor. Despite the clear findings reflected in your system, I have not received the refunds to which I am legally entitled. 

The details are as follows : Case Number : XXXX XXXX XXXX {$14000.00} Case Number : XXXX Amount : {$7700.00} Refund Date Stated by PayPal : XX/XX/year> Todays Date : XX/XX/year> As of this date, no funds have been received in my PayPal account or in my linked financial institution. This delay constitutes a failure to execute a confirmed refund transaction and may represent a breach of contract, violation of PayPals User Agreement, and potential noncompliance with applicable consumer protection and electronic fund transfer laws, including but not limited to the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and relevant state and federal financial regulations governing refund processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: DC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX  # XXXX XX/XX/XXXX -- {$55.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$470.00} XXXX XXXX # XXXX  XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Cease and Desist Request for Removal I am writing to formally notify you that I dispute the validity of the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am requesting that you cease all communication with me regarding this account, except where permitted by law.

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, I am requesting that you immediately remove any negative or inaccurate information related to this alleged debt from all consumer credit reporting agencies ( XXXX, XXXX, and XXXX  ) .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: OH

Complaint narrative:
I am submitting this complaint because my TransUnion credit report contains entries that I believe may be inaccurate or unverifiable. I am requesting a reinvestigation under FCRA 611. 

Charged-Off Accounts in Dispute XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$490.00} Inquiries in Dispute XXXX XXXX XX/XX/XXXX Please verify this inquiry was authorized by me. Remove any inquiry that can not be verified. 

Late Payments XXXX  XXXX XXXX  XXXX Verify these late payments. Remove or correct any item that can not be verified. 

There are currently no positive accounts in dispute with TransUnion.

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 2025-10-30 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: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
please remove these accounts from my credit report they are not mines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I spent my whole life compiling Chase Sapphire rewards points to use for travel. They always had a 1.5X redemption value for travel, and these were the terms when I signed up for the card. Recently, Chase announced that they were changing the redemption on this card. The redemption went from 1.5X to 1X. Of course, it's bad enough that all points from future purchases will be extremely devalued. My complaint though, is that even worse, in XXXXXXXX XXXX XXXX, all previously earned points will switch to the 1X redemption. This is a 33 % devaluation of the points. I compiled the points over many years with the idea in mind ( as agreed with Chase ) that the points are worth 1.5X on travel. I earned the points with it in mind that I would use these points for travel in future years, and not be forced to use the entirety of the points within 2 years, which is impossible. This is beyond unfair as its a breach of the terms that were agreed upon when I signed up for and used their cards. To arbitrarily change the redemption value after the fact and completely reduce the value of the points without the ability to use all the points in time is simply egregious. This action definitely harms millions of consumers. It shouldn't even need to be said, but I'd like to say clearly that there should be no time expiration on the redemption value of points that existed at the time the points were earned. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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:
I am filing this report because it is formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the fraudulent material is reporting in my credit file. There is a fraudulent account is opened under my name without my knowledge and I am asking to block and delete this fraudulent account because I have no knowledge about theses account. This is a fraudulent account. This is a violation of the Fair Credit Reporting Act ( FCRA ) Section 600 ( B ). The fraudulent accounts is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-30 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:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Email : XXXX Date : XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Re : Formal Dispute & Debt Validation Request Original Creditor : To be confirmed by collector Account Number : As reported/ to be confirmed by collector To Whom It May Concern & CFPB Reviewer : I am disputing the accuracy, ownership, and validity of an alleged debt being reported by LVNV Funding LLC. This is a request for validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and a dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

I am requesting written confirmation of the original creditor and full account number associated with this alleged debt, as only partial or insufficient information has been made available.

Please provide : Identity of the original creditor A copy of the original agreement bearing my signature Complete itemization of the balance ( principal, interest, fees ) Proof that this debt was legally assigned/transferred to your agency Date of first delinquency and proof within statute of limitations Proof of authorization/licensing to collect in my state If you are reporting this account, you must : Mark the account as disputed Cease reporting until validation is supplied Provide proof all data furnished is accurate If you can not validate this debt, you must delete it from all credit bureaus under FDCPA and FCRA requirements. 



Please upload all validation documentation to the CFPB portal. If you choose to contact me directly, email only at : XXXX I do not consent to phone contact. 



Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Starmark Financial LLC
State: TN

Complaint narrative:
XXXX XXXX responded to my CFPB complaint by attaching a generic Consumer Installment Loan Agreement and an application summary they claim are mine. I dispute the accuracy and ownership of this alleged debt. Their submission does not include a bill of sale or assignment linking my specific account to XXXX, nor any itemized accounting of how the balance was calculated. They also failed to provide electronic-signature or identity verification logs ( IP address, timestamps, consent proof, or linked bank account verification ). I do not recognize some of the contact and funding details shown. I have repeatedly asked for all communications to be sent by U.S. Mail, yet they continue to call. I am requesting that the CFPB require XXXX to provide complete validation ( proof of ownership, full payment history, and authentication logs ) or remove any reporting of this disputed account from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: MS

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