vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
Subject : Request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) all accounts fraudulent in this complaint be DELETED immediately. 

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EQUIFAX, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 

I am writing to contest inaccurate information on my credit report in accordance with XXXX XXXX. XXXX and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per XXXX U.S.C. XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked. 

I request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that you, the credit reporting agency EQUIFAX, block the information appearing in my consumer credit report resulting from identity theft and fraud within XXXX business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by XXXX XXXX, United States XXXX ( XXXX ), Section XXXX. This also violates my privacy rights under XXXX XXXX, XXXX, XXXX XXXX ( XXXX ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA XXXX. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
I am disputing an account reported by XXXX XXXX XXXXXXXX ( account # XXXX ) listed as a charge-off with a balance of {$6700.00}. This account was closed in XX/XX/year>, but the balance has remained unchanged with no activity since XXXX. This violates the Fair Credit Reporting Act ( FCRA ), which requires timely and accurate reporting. The account is also inconsistently labeled as consumer closed while also being charged-off. I request its deletion due to outdated and contradictory reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
I am disputing an account reported by XXXX XXXX XXXXXXXX ( account # XXXX ) listed as a charge-off with a balance of {$6700.00}. This account was closed in XX/XX/year>, but the balance has remained unchanged with no activity since XXXX. This violates the Fair Credit Reporting Act ( FCRA ), which requires timely and accurate reporting. The account is also inconsistently labeled as consumer closed while also being charged-off. I request its deletion due to outdated and contradictory 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 explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Receivables Management Partners, LLC
State: MA

Complaint narrative:
Received a text message from an unknown number regarding a debt which include a picture of a statement with my information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
Called into XXXX XXXX to request balance amount credit report is showing owed amount of {$14000.00} when called balance was quoted at {$15000.00}, when I asked for Verification of date collector told me he would not provide XXXX pages of the original contract and was unable to request an items statement of balance amount. After making the request collector disconnected the call and when I called back the collector refused to allow me to speak with a supervisor saying " if I want to work something out it would have to be with him ''. Then the collector disconnected the line again after requesting for a supervisor once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA
State: SC

Complaint narrative:
I opened up a new credit card account for XXXX XXXX through The First National Bank of Omaha. I previously had the same credit card which had been closed for inactivity. Upon receiving the new credit card I set it up on what I believed to be Autopay. The credit card which was inactive for over a year and the account closed down was inadvertently applied the autopay. Causing the credit card statement for the new card to not be paid. They ended up reporting me for a XXXX day late payment although they realized that they had given me access to an inactive account and could see when I went in and set autopay. They refuse to remove it from my history and remove it from the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 








XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
I have tried on numerous occasions to find a dispute using their porthole email what have you to no avail this is though I've been red flag I have no idea why but using all the XXXX XXXX statutes they have failed to uphold the law and do what's required of them to do with a proper and thorough investigation with all information that was provided to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio recovery continues to adjust dates on a debit that I had removed from my credit report the original debit was from XXXX XXXX. That credit card was removed from my last year 2024. Portfolio recovery continues to use deceptive practices in an attempt to claim ain't that to be paid they continue to call from random different numbers also attempting to act as a legal servant or lawyer to leave messages on my voicemail I have attempted to block all numbers that they continue to call from I have attempted multiple times to have this particular debt collection removed from my credit report they continue to add it to the 3 credit bureau as a open revolving account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by XXXX  on my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place accounts on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 2. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. 1.XXXX has resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 2.Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). EXPERIAN is flagrantly disregarding consumer protection statutes. I did not receive any notice from accounts on my consumer report providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the Equifax breach and documents proving that I am a victim of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that EXPERIAN remove these accounts from my credit report and cease all collection efforts immediately. Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. Sincerely, 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 2025-05-12 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: TX

Complaint narrative:
This late payment record is inaccurate and does not represent my consistent payment behavior. I have maintained timely payments, and I request its removal to ensure my account reflects accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: NJ

Complaint narrative:
I am submitting this complaint to request the CFPBs assistance regarding an inaccurate late payment being reported by Equifax on XXXX separate XXXX XXXX XXXX accounts, both sharing the same reference number, same date opened, same high credit, and both reflecting a late payment for XXXX XXXXyet with different balances reported. This inconsistency is alarming and clearly violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires XXXX  to follow reasonable procedures to ensure the maximum possible accuracy of the information it includes in consumer reports. It also violates 15 U.S.C. 1681b, which prohibits the reporting of consumer information without a valid permissible purpose. Furthermore, this inaccurate and unauthorized reporting is a direct violation of my right to privacy under 15 U.S.C. 1681a ( 4 ) my personal information is being misused without consent or justification. I am not requesting deletion of the entire accountonly that the false late payment for XX/XX/year> be removed and the status reflect paid as agreed. I also request the removal or correction of the duplicate entry with inconsistent information. I ask that Equifax be required to confirm in writing that my credit file has been corrected and brought into full compliance with the FCRA. Thank you for your help in protecting my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC
State: LA

Complaint narrative:
I am requesting a security freeze with CoreLogic because they store and share my consumer data, but the representative is either misinformed or unwilling to comply.

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 2025-05-12 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: WA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I went to court about this debt and because they didn't show up at court the debt was demissed. And they were told to stop reporting the debt that is not mine. They are still reporting it!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
Hi, I had applied for the milestone credit card ( XXXX  ) through XXXX XXXX. It shows no impact credit score for checking approval or submit application, therefore, I had submitted the application it accepts and approved hard inquiry in the credit history with out my approval. I just need to dispute that hard inquiry from the credit history. I did nt receive the card and call the bank and told them to close that account.. So pls unequivocally dispute my hard inquiry. Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-12 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: TX

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX - XX/XX/XXXX - {$6300.00} XXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$23000.00} XXXX  - XX/XX/XXXX - {$2100.00} XXXX XXXX - XX/XX/XXXX - {$6800.00} XXXX - XX/XX/XXXX - {$5900.00} XXXX XXXX  - XX/XX/XXXX - {$600.00} XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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