vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-09-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$760.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-17 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: NY

Complaint narrative:
I am filing this complaint because my credit file continues to display unauthorized hard inquiries that were made without my knowledge or consent. 
Under the Fair Credit Reporting Act ( FCRA ), Section 1681b ( a ) ( 3 ) ( A ), a permissible purpose is required for any hard inquiry. None of these inquiries were authorized by me, nor were they connected to any legitimate extension of credit. Their continued presence on my report is therefore a direct violation of federal law. 

The following inquiries are unauthorized and must be permanently deleted : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I have already disputed these items directly with Equifax, providing both my written dispute and a copy of my official FTC Identity Theft Report ( FTC Report # XXXX ). Despite my compliance with the legal process, the bureau has failed to block and remove these inquiries as required under FCRA Section 605B ( 15 U.S.C. 1681c-2 ).

This non-compliance has caused measurable harm to my financial life : My credit score remains artificially low due to inquiries I never authorized. 

I am being denied credit opportunities. 

When I do receive approvals, I face higher interest rates and less favorable terms. 

These violations have placed me at risk of further identity theft and financial damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC
State: KS

Complaint narrative:
I am formally disputing and demanding that you XXXX XXXX XXXX XXXX immediately cease all collection activities and credit reporting regarding the alleged medical debt ( XXXX ) you claim I owe. The accounts you are attempting to collect stem from medical services that were already disputed with the original providers and/or my insurance carrier. 
Your continued attempts to collect and report this alleged debt violate : HIPAA Privacy Rule ( 45 C.F.R. 164.502, 164.508, 164.530 ) PHI was disclosed to you without my authorization for debt collection and credit reporting.

Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) You are furnishing inaccurate, unauthorized medical tradelines to XXXX, XXXX, and XXXX. 
Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) You are attempting to collect without proper validation of the debt and after notice of dispute. 
I have already filed a complaint with the U.S. Department of Health & Human Services, Office for Civil Rights ( OCR ) against the providers that improperly disclosed my PHI. If you do not cease all collection and delete all reporting of this account, I will pursue litigation in federal court for damages, injunctive relief, attorneys fees, and costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: AL

Complaint narrative:
This inquiry was not approved by me, and I had no interaction with the lender on the mentioned date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bridge IT, Inc.
State: NY

Complaint narrative:
close all this accounts before but still in my credit report I think its still opened in XXXX XXXX Brigit XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Formal Dispute of Multiple Accounts Partial Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX To Whom It May Concern, I am writing to formally dispute the accuracy and legality of how the above-referenced accounts are being reported and handled by XXXX, XXXX XXXX Your actions and reporting practices appear to violate several provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( c ) ( 2 ) and 15 U.S.C. 1681n.

1. Violation of 15 U.S.C. 1681 ( c ) ( 2 ) Under this provision, consumer reporting agencies and furnishers are prohibited from reporting obsolete or inaccurate information. Your continued reporting of these accountswithout proper validation or correctionconstitutes a failure to maintain accurate consumer information and compliance with federal law.

2. Violation of 15 U.S.C. 1681n This section establishes civil liability for willful noncompliance. If XXXX XXXX XXXX continues to report inaccurate, unverifiable, or obsolete information, this will be considered willful misconduct, exposing you to statutory damages of up to {$1000.00} per violation, plus punitive damages and attorneys fees. 
3. Request for Immediate Action I hereby demand that XXXX XXXX XXXX : Conduct a full investigation of each disputed account Validate the accuracy, legality, and enforceability of these accounts in writing Remove or correct any and all information that can not be fully substantiated Cease reporting unverifiable information to any credit reporting agencies 4. Notice of Intent to Pursue Remedies If XXXX XXXX XXXX fails to comply within 30 days of receipt of this notice, I will pursue all available remedies under federal law, including : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) Reporting violations to the appropriate state attorney general Initiating a civil action to recover damages, attorneys fees, and any other relief permitted by law This letter serves as an official notice under the FCRA. Please provide a written response and documentation supporting the validity and accuracy of each account within 30 days of receipt. 
Failure to comply will be interpreted as your inability to validate these accounts, and I will demand their immediate deletion from any and all credit reporting databases. 
Sincerely, XXXX XXXX XXXX [ Your Signature ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
XXXX XXXX I used for credit repair for XXXX totaling over {$600.00} and no changes was made to credit they promised that they would fix my credit score for the better and they didnt do anything to help or change my credit score for the better until just discontinued my services with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Subject : Midland Credit Management Unverified Collection Reporting Body : I dispute the Midland collection account [ insert account number ]. Midland has failed to provide proof of ownership or original creditor documentation, violating FCRA 623 ( a ) ( 3 ). Per 611 ( a ) and 1681i ( a ) ( 5 ) ( A ), unverifiable collections must be deleted from XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: OK

Complaint narrative:
Cash app has my account suspended since XX/XX/year> and will not let me withdraw my funds.i have contacted support over XXXX times. Support only says they have a special team working on it and are unable to give me information as to why they have held my money from me for 2 months

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-09-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$940.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have XXXX bank of america credit card. Previously before XXXX, I can setup Autopay with an external checking account to pay the XXXX cards without issue. On XXXX, I opened a new bank of america checking account. Since then, the previously set-up Autopay disappeared from my account without notification. When I tried to re-enroll Autopay, I got the following error message : We couldn't set up online bills with Bank of America Credit Card I've went to branch twice on XX/XX/XXXX and XX/XX/XXXX, and called the customer service on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. None of the representative can actually resolve the issue. They all cite either updated my personal information or ask me to wait for XXXX hours.

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 2025-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-17 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: CA

Complaint narrative:
I am filing this complaint concerning the inaccurate reporting of multiple late payments by Equifax. According to their records, several payments are falsely reported as late. These alleged late payments were made on time, yet this incorrect information remains on my credit report, causing harm to my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/year>, I received an alert email that a credit card from XXXX/CBNA was opened in my name. I called the company, they told me they had no record of this transaction and that an alert was placed on the account. On XX/XX/year>, I received multiple credit reporting notices that this card was opened and it had impacted by credit score. I was told by XXXX to come to this website to file this complaint. I never opened this credit card, this needs to be removed from my credit history.

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 2025-09-17 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am a victim of identity theft, and the account reported under XXXX XXXX, XXXX is fraudulent and never authorized by me. I formally disputed this account with Experian on XX/XX/year> and again on XX/XX/year>, providing all supporting documentation, including a valid FTC Identity Theft Report ( Report No. XXXX ), as required under FCRA Section 605B.

Federal law is clear : once a valid identity theft report is submitted, the bureau must block the account within four ( 4 ) business days. Despite this, the account remains on my file. This failure not only violates Section 605B, but also Section 611 ( requiring a meaningful reinvestigation ) and Section 607 ( requiring maximum possible accuracy ). The bureaus reliance on superficial or automated verification does not meet the legal standard established by case law such as XXXX v. XXXX and XXXX v. XXXX. 
Beyond the legal violations, the continued reporting of this fraudulent account has very real human consequences. It has lowered my credit score, increased the cost of borrowing, and created barriers to securing housing and essential credit opportunities. I have spent significant time, effort, and emotional energy trying to correct this, only to see my rights under the FCRA disregarded. 
The law exists to protect consumers from exactly this type of harm. I am asking for the CFPBs intervention to ensure that this unlawful reporting is permanently corrected and that my rights as a consumer are respected.

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 2025-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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