vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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: CA

Complaint narrative:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through IdentityTheft.gov.

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency.

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft.

Let me be clear : This is your final notice. You are in violation of federal law by continuing to report and verify accounts that wese opened fraudulently and which I have already disputed with appropriate documentation.

If I do not receive confirmation within 15 calendar days that these accounts have been permanently removed and that my credit file has been updated to reflect the resolution of this matter, I will proceed to : 1.File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General.

2.Initiate legal action for your violations of FCRA Section 617 and for any damages sustained as a result of your unlawful reporting and failure to investigate. 
BANK XXXX XXXX XXXX & XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: OR

Complaint narrative:
They are reporting to the credit Buerurs that my account is at XXXX and it is not they gave me a statement showing my payments made to them and the balance left of XXXX and it has not updated on XXXX  or XXXX. I have emailed them multiple times and I keep getting the same thing they update on the XXXX. Which is now the XXXX and nothing has updated. I have XXXX  XXXX and can get an update every day on my report and nothing has updated same as XXXX. Attached are the Statements from them showing my payments and my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
Account XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " certified mail " with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
There are three separate Capital One entries appearing on my credit report, all bearing the exact same account number ( XXXX ). These entries are not only duplicative but also contain conflicting and inaccurate information regarding : Inconsistent open dates Varying payment history with reported late payments Status showing the account as open, then closed inconsistently These discrepancies are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : Failure to maintain accuracy and integrity of credit information.

15 U.S. Code 1681e ( b ) : Duty to follow reasonable procedures to assure maximum possible accuracy. 
Additionally, the reporting of multiple accounts with identical numbers, yet conflicting data, suggests negligent or willful reporting practices that damage my creditworthiness and violate my consumer rights.

I am requesting the removal of all negative marks, including late payments, and the correction or complete deletion of these duplicative and inaccurate Capital One entries. If the information can not be verified and corrected, it must be removed as required under FCRA 1681i ( a ) ( 5 ) ( A ).

I have already submitted disputes with the credit bureaus, and now I am requesting the CFPB conduct a thorough investigation into Capital Ones reporting practices, as they appear to be reckless and potentially deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has incorrectly reported a late payment for the XXXX account, despite the account showing a {$0.00} past due balance and no history of missed payments. I have actively sought proof from Equifax to substantiate this claim, yet they have failed to provide any documents that verify a late payment occurred. By continuing to report this inaccuracy, Equifax is violating the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1666b, which mandates that creditors and reporting agencies substantiate late payment claims with documented evidence. Failure to provide such documentation and continuing to report this error is not only misleading but also damages my credit score. 

Equifax has a legal obligation to ensure that the information it reports is accurate and verifiable. The ongoing inclusion of inaccurate late payment remarks violates this obligation and has resulted in significant harm to my credit report, which in turn negatively impacts my ability to secure credit at favorable terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: GA

Complaint narrative:
I am writing to formally dispute a series of unauthorized transactions totaling over {$4000.00} that were made from my Cash App account on or after XX/XX/year>. On that date, my phone was stolen. At the time of the theft, my phone did not have a PIN enabled, and unfortunately, sensitive banking information was stored in the Notes app. This allowed the perpetrator to gain unauthorized access to my financial accounts, including my Cash App account. 

Following the theft, more than {$4000.00} was transferred from my Cash App to an unknown account that does not belong to me. I promptly reported these transactions to Cash App and opened a dispute. However, my dispute was denied shortly thereafter, with the justification that " no error occurred '' and that I had either authorized the transaction or authorized someone else to use my account. This conclusion is inaccurate and deeply concerning due to the fact that they are making their decision based of the payment being successful transferred. 

A representative from Cash App, identified as XXXX, later contacted me and stated he was unable to locate my accountdespite my dispute already being under review and previously acknowledged. I was asked to verify my identity, which I did by providing all requested documentation. Despite this, I was informed the very next day that no error had been found and was advised to contact my bank to recover the missing funds. 

As directed, I reached out to XXXX XXXX, which is listed as the institution to which the funds were transferred. However, due to the lack of information about the recipient account, I was only able to provide the transaction amount, date, and ID. This has yielded no results thus far. 

Had a proper and thorough investigation been conducted, it would have become evident that the receiving account is not in my name. Additionally, the login history of my account clearly shows access from unfamiliar devices beginning the day after the theftan indication that my account had been compromised. 

Under Regulation E of the Electronic Fund Transfer Act ( EFTA ), I am entitled to protection against unauthorized transactions and to a reasonable investigation by the financial institution. I do not believe such an investigation has taken place in this case. To date, I have received no meaningful support or resolution from Cash App. 

I am therefore requesting a full reimbursement of the unauthorized transactions. I urge Cash App to conduct a proper review of the login records, the destination of the funds, and all other relevant data to ensure a fair and lawful resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: FL

Complaint narrative:
I recently found a credit inquiry on my report that I dont recognize. I did not apply with this company or authorize any credit check. This unrecognized activity is troubling and raises serious concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: AL

Complaint narrative:
Experian is reporting inaccurate and outdated personal information under Also Known As and previous addresses. The name XXXX XXXX and the address XXXX XXXX XXXX XXXX, XXXX XXXX, FL are not associated with any active or verifiable records of mine. I have submitted updated documentation showing my correct name and address, yet Experian continues to report these incorrect identifiers, which could cause confusion in account verification or lead to file mixing. This is a violation of 15 USC 1681e ( b ), which requires credit bureaus to maintain accurate records.

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 2025-04-25 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-04-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX BALANCED {$45000.00} XXXX XXXX BALANCED {$14000.00} These accounts has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: IL

Complaint narrative:
Equifax is violating the FDCPA and the FCRA regarding my consumer reports there was a collections account RE-INSERTED on my consumer report without notifying me.a creditor reinserting an account on a credit report that was previously disputed and removed can violate the Fair Credit Reporting Act ( FCRA ). The FCRA prohibits credit bureaus ( CRAs ) from reinserting information without proper certification and notice to the consumer. This account " XXXXXXXX XXXX  '' is furnishing my credit report, Equifax did I give you permission to furnish my report with this alleged debt? according to the FCRA this account and Equifax is in violation " Account status '' " Payment history '' " Paying as agreed '' " Balance '' " Worst delinquency:30 days '' which doesn't make sense how is it 30 days late if it's XXXX, XXXX this account allegedly closed in XXXX these are all inaccuracies. Credit reports should be accurate information ONLY. I'm aware of the current sue against Equifax, for not investigating disputes properly, ignoring consumers request. I ask that this alleged debt be investigated properly, and removed. Once the changes are made please send me a notice of the changes that were made. 


Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: IL

Complaint narrative:
Equifax is violating the FDCPA and the FCRA regarding my consumer reports there was a collections account RE-INSERTED on my consumer report without notifying me.a creditor reinserting an account on a credit report that was previously disputed and removed can violate the Fair Credit Reporting Act ( FCRA ). The FCRA prohibits credit bureaus ( CRAs ) from reinserting information without proper certification and notice to the consumer. This account " XXXX XXXX  '' is furnishing my credit report, Equifax did I give you permission to furnish my report with this alleged debt? according to the FCRA this account and Equifax is in violation " Account status '' " Payment history '' " Paying as agreed '' " Balance '' " Worst delinquency:30 days '' which doesn't make sense how is it 30 days late if it's XXXX, XXXX this account allegedly closed in XXXX these are all inaccuracies. Credit reports should be accurate information ONLY. I'm aware of the current sue against Equifax, for not investigating disputes properly, ignoring consumers request. I ask that this alleged debt be investigated properly, and removed. Once the changes are made please send me a notice of the changes that were made. 


Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im still seriously concerned that my credit report contains inaccurate and incomplete information. Despite several attempts to have this corrected, the problems remain and are unfairly impacting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: VA

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