vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
I am disputing the following items on my Equifax credit report that are inaccurate or unverifiable. Under the FCRA, I am requesting Equifax to conduct a full reinvestigation and remove or correct all errors. 

Charged-Off Accounts in Dispute : XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Balance {$590.00} XXXX XXXX Acct XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} Late Payment Accounts in Dispute : XXXX  Acct # XXXX The XXXX XXXXXXXX account is outdated and may exceed the XXXX reporting limit under FCRA 605 ( a ) ( 4 ). The XXXX XXXX account shows a charge-off with a {$0.00} balance, which is inconsistent with accurate reporting. 

Please provide verification from the data furnishers or delete these items from my report if they can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
I am filing this complaint against Absolute Resolutions for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 16921692j, and for engaging in deceptive and unlawful debt collection practices.

Absolute Resolution contacted me regarding an alleged debt that I do not recognize and have never received proper verification for. I submitted a written request for debt validation under 15 U.S.C. 1692g ( b ), which legally requires a collector to provide verification of the debt before continuing any collection activity. Despite my lawful request, the company failed to provide any valid documentation proving that I owe the debt or that they have the legal right to collect it.

Instead, Absolute Resolutions continued to report this account to the credit bureaus and/or attempted further collection communications which is a direct violation of 15 U.S.C. 1692g ( b ) and 1692e for using false or misleading representations. Their refusal to validate the debt while continuing to collect constitutes unfair, deceptive, and abusive practices as defined under the FDCPA.

I am requesting that the Consumer Financial Protection Bureau investigate Absolute Resolutions for these violations and take appropriate enforcement action. I also request that the company be ordered to : Cease all collection activity immediately until proper validation is provided.

Remove any negative credit reporting related to this unverified account.

Provide written confirmation and evidence of the original creditor, the alleged balance, and proof of ownership or assignment of the debt. 

Implement compliance measures to prevent future FDCPA violations. 

I have maintained records of all communications and correspondence related to this matter and can provide them upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: SC

Complaint narrative:
I disputed this debt and asked for validation and any contract they had with proof of payments and i have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NY

Complaint narrative:
Equifax is reporting a XXXX XXXX account that does not belong to me, even though the bank has already confirmed it is not my account and agreed to remove it. Despite my dispute and proof submitted, Equifax has failed to delete this inaccurate and unauthorized account, violating FCRA 611. I am requesting CFPB intervention to force Equifax to immediately remove the account and correct their non-compliance. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: KS

Complaint narrative:
My cashapp account was closed in error, I was told my cashapp was closed due to suspected gambling I've never used my cashapp card for gambling I've had my cashapp card since XXXX  never a violation I used it for alot of different online purchases such as XXXX, sending money to family and friends and playing online games that was not associated with real money gambling. Cashapp never sent me any proof of gambling taken place on my account there was no unusual transactions on the account they just closed my account and banned me for life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
Venmo is holding my account XXXX and wont let me speak to an actual person that can help me. Ive tried getting the issue fixed since Friday and they keep saying they are going to send me an email and I have not received an email. They say I cant call the account XXXX directly but they will email. However no email has been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: MI

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CL Holdings LLC
State: SC

Complaint narrative:
This emotional toll has been very overwhelming. I have lost sleep, felt constant stress, and experienced the embarrassment of being turned away by landlords for something that i believe should not even be on my record. this has impacted not only me, but my ability to provide safe and stable housing for my family. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. 
According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NY

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 2025-11-25 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-11-25 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: Fidelity National Information Services, Inc. (FNIS)
State: IN

Complaint narrative:
I attempted to contact ChexSystems to dispute and remove information that does not belong to me and is adversely affecting my financial standing. I provided the necessary details and documentation to support my claim, emphasizing that the information was inaccurate and not associated with my accounts or activities. Despite my efforts to resolve the matter promptly and in good faith, I have not received any acknowledgment or response from ChexSystems, leaving the issue unresolved and continuing to impact me unfairly.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I discovered multiple accounts on my credit reports that I did not open, authorize, or have any involvement with. These accounts were created and reported without my knowledge or permission and are the result of identity theft. 

The first fraudulent account is reported by XXXX XXXX with an open balance of {$1800.00}, showing an opened date of XX/XX/XXXX. I have never applied for credit or services from this company, and I did not authorize anyone else to open this account on my behalf. 

The second fraudulent account is reported by XXXX XXXX XXXX with an open balance of {$2000.00}, showing an opened date of XX/XX/XXXX. I did not open this account, and I had no knowledge of its existence until reviewing my credit information. 

A third unauthorized account is reported by XXXX XXXX XXXX XXXX with an open balance of {$1300.00}. Again, I did not open this account, authorize it, or receive any services or credit associated with this company. 

The fourth fraudulent account is reported by XXXX XXXX XXXX with an open balance of {$340.00}, showing an opened date of XX/XX/XXXX. I did not create this account, and I have never had any relationship with this company or the original creditor referenced. 

I did not apply for or use any of these accounts, nor did I make any payments or agreements related to them. These items appeared on my credit reports without my knowledge, and they do not reflect any legitimate activity on my part. 

I am reporting these accounts as fraudulent and the result of identity theft. I am requesting that the companies involved and all credit reporting agencies block, remove, or correct this information so it no longer appears as my responsibility.

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 2025-11-25 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-25 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: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those 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 non-monetary relief
Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: SC

Complaint narrative:
Account was paid in full and it is reporting that it was charged off the amount reporting is incorrect and inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Account was paid in full and it is reporting that it was charged off the amount reporting is incorrect and 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 2025-11-25 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: MS

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: AL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts on my credit report. I believe these accounts contain inaccuracies and are being reported in error. 

Charged Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-11-25 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 have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those 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 2025-11-25 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 have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: IL

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: MI

Complaint narrative:
Experian is reporting an inaccurate and outdated address on my credit file that I no longer reside at, do not receive mail at, and have no current accounts tied to. 

This violates the FCRA 602 ( A ) requirement for maximum accuracy of consumer information. 


I am requesting the removal of the address XXXX XXXX XXXX XXXX XXXXXXXX MI XXXX from my Experian credit report. This address is inaccurate and outdated. I have not lived at or received mail at this residence for several years. 

I provided Experian with my updated identification and my current address documentation, yet the bureau continues to report this old address. 

Under the FCRA 611 ( a ) ( 1 ) ( A ), credit bureaus must correct or delete information that can not be verified as accurate. 

This address is not associated with any open account, is not my current residence, and Experian has not provided any method of verification showing how they validated this address. 

I am requesting that Experian immediately : Remove the inaccurate XXXX XXXX XXXX XXXX address Update and maintain ONLY my current verified address Provide documentation showing the method of verification used The continued reporting of incorrect personal information is harming my ability to maintain an accurate credit file. This is a direct violation of the FCRAs requirement for data accuracy.

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 2025-11-25 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: TX

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with non-monetary relief