vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
this account is fraudulent. i never opened or authorized a loan with cashnetusa. i demand a full investigation and removal from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: MS

Complaint narrative:
I have provided a letter about inquiries that are on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: MS

Complaint narrative:
I have provided a letter about inquiries that are on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: HI

Complaint narrative:
I am submitting this complaint against Experian for continuing to report an outdated and inaccurate address on my credit file. The address in question, XXXX XXXX XXXX XXXX XXXX, HI XXXX, is not my current residence and has not been for some time. My one and only current legal address is XXXX XXXX XXXX, XXXX, XXXX XXXX. Despite my previous attempts to correct this, the incorrect address remains on my file, misrepresenting my current living situation. 

The presence of an inaccurate address on my credit report is not a harmless clerical issueit is a violation of the Fair Credit Reporting Act ( FCRA ), particularly under Section XXXX ( b ), which mandates that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they include in consumer reports. Continued reporting of an incorrect address directly undermines that obligation and leads to downstream consequences that unfairly impact me. 

This misinformation has already led to confusion during background checks, account verifications, and even a recent application for a utility service, where I was asked to explain why my reported address did not match my actual one. It not only raises red flags for creditors and lenders, but also places me in a position where I constantly need to justify my own identity. This is both embarrassing and disruptive to my ability to handle routine financial and personal affairs. 

I take my credit file seriously, and I have gone to great lengths to ensure my report is accurate. I have submitted proper documentation to Experian to reflect my correct address. The failure to correct such a basic and verifiable factmy current addresssuggests that Experian either ignored my submission or failed to apply the necessary procedures to process it correctly, which is both frustrating and unacceptable.

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 2025-07-10 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: FL

Complaint narrative:
Debt Collectors Name XXXX XXXX XXXX XXXX XXXX, OH XXXX Request for Debt Validation To Whom It May Concern, I am writing in response to your collection attempt regarding an alleged debt. Please be advised that I am requesting validation of this debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : The amount of the debt ; The name of the creditor to whom the debt is currently owed ; A detailed statement explaining how the amount was calculated ; Copies of any documents that show I agreed to assume this debt ; The name and address of the original creditor, if different from the current one ; Proof that you are authorized to collect this debt in my state ; A copy of the judgment, if applicable.

Please note that until you provide the requested validation, you must cease all collection activity, including reporting this debt to credit bureaus.

This is not a refusal to pay, but a request for validation. If you do not provide the above information, you must stop all efforts to collect this debt.

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 2025-07-10 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: FL

Complaint narrative:
Debt Collectors Name XXXX XXXX XXXX XXXX XXXX, OH XXXX Request for Debt Validation To Whom It May Concern, I am writing in response to your collection attempt regarding an alleged debt. Please be advised that I am requesting validation of this debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : The amount of the debt ; The name of the creditor to whom the debt is currently owed ; A detailed statement explaining how the amount was calculated ; Copies of any documents that show I agreed to assume this debt ; The name and address of the original creditor, if different from the current one ; Proof that you are authorized to collect this debt in my state ; A copy of the judgment, if applicable.

Please note that until you provide the requested validation, you must cease all collection activity, including reporting this debt to credit bureaus.

This is not a refusal to pay, but a request for validation. If you do not provide the above information, you must stop all efforts to collect this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: NY

Complaint narrative:
To Whom It May Concern, This letter serves as a second formal dispute regarding inaccurate late payments listed on my credit report maintained by Transunion. Although these accounts were previously verified, I dispute the accuracy and sufficiency of the verification process, and I am demanding a full reinvestigation in accordance with 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ). 
Accounts in XXXX : XXXX. XXXX o Account starting with : XXXX o Status : Verified with multiple XXXX late notations o Issue : No supporting documentation provided to validate late marks XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Account starting with : XXXX o Status : Verified XXXX late entries XXXX XXXX XXXX XXXX XXXX o Account starting with : XXXX o Status : Verified XXXX late entries XXXX. XXXX  XXXX o Account starting with : XXXX, XXXX, XXXX ( Multiple accounts ) o Status : Verified late payments across different dates XXXX. XXXX XXXX XXXX Account starting with : XXXX o Status : Verified XXXX late entries XXXX. XXXXXXXX XXXX XXXX o Account starting with : XXXX o Status : Verified XXXX late entries XXXX. XXXX XXXX XXXX XXXX Account starting with : XXXX o Status : Verified with numerous XXXX lates XXXX. XXXX XXXX Account starting with : XXXX o Status : Verified 30-day late XXXX. XXXX XXXX XXXX Account starting with : XXXX o Status : Verified 30/60-day late entries XXXX. XXXX XXXX Account starting with : XXXX o Status : Verified 30-day late XXXX. XXXX XXXX XXXX. 
o Account starting with : XXXX o Status : Verified 30-day late XXXX. XXXX o Account starting with : XXXX o Status : Verified 30-day late ________________________________________ Action Requested : In compliance with 15 U.S.C. 1681i ( a ), I formally request the following : 1. A reinvestigation of each disputed item listed above.

2. A description of the procedures used to verify each disputed account.

3. A copy of all documentation provided by the furnisher supporting their verification.

4. Immediate deletion of any entry that can not be verified through original, documented evidence. 
If XXXX  fails to conduct a reasonable reinvestigation or continues reporting unverifiable information, I will have grounds to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action under 15 U.S.C. 1681n and 1681o for negligent or willful noncompliance.

Please respond within the 30-day FCRA deadline and provide an updated copy of my credit report reflecting any corrections made. 
Sincerely, 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 2025-07-10 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: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
Subject : Complaint Against Destiny Mastercard ( Account Ending in XXXX ) XXXX XXXX XXXX XXXX  XXXX Milestone Account Number [ Ending in XXXX ] Dear CFPB, I am submitting this complaint against the Destiny Mastercard, issued by XXXX XXXX XXXX, concerning my account ending in XXXX. The complaint centers on a violation of 15 U.S.C. 1666b ( b ), along with the creditors failure to respond appropriately to my requests for correction. 

Federal law requires that at least 21 days must elapse between the mailing or delivery of a credit card billing statement and the due date before a payment can legally be considered late or subject to a late fee. However, in this case : I was assessed a late fee and/or reported as delinquent without being given the legally mandated 21-day minimum window from statement issuance to due date. 

This action has directly harmed my credit profile. 

When I reached out to the creditor to dispute the matter and request documentation, my request was either ignored or inadequately addressed. 

I explicitly informed Destiny Mastercard that failure to comply with my request and correct the issue would result in a formal complaint to the CFPB. Since my concerns remain unresolved, I am now submitting this complaint for investigation and resolution. 

I respectfully request that the CFPB : Investigate the billing practices related to my account. 

Confirm whether the required 21-day billing notice was provided before fees or reporting actions occurred. 

Compel the creditor to correct any unlawful reporting or fees. 

Provide documentation showing compliance or corrective action. 

Thank you for assisting with this matter to ensure my consumer rights are protected. 

Sincerely, XXXX XXXX P.S, here are the certified mail tracking numbers for each company : Destiny/Mastercard XXXX XXXX XXXX XXXX XXXXMilestone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: NC

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

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$120.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : 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
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1000.00} INQUIRIES : 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
Consumer complaint received 2025-07-10 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: PA

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FILED ALL THE PROPER REPORTS AND PAPERWORK. THIS IS MY OFFICIAL DISPUTE INFORMING THIS AGENCY OF THESE FALSE ACCOUNTS THAT BEEN PLACED ON MY CREDIT FILE. UNDER THE FCRA ALL FALSE INFORMATION IS TO BE REMOVED AND WITH THAT SAID I RESPECTFULLY ASK FOR THESE FALSE AND FRAUDULENT ACCOUNTS BE REMOVED. THESE ARE ALL THE FALSE CLOSED ACCOUNTS REPORTING TO MY CREDIT FILE Details of Fraudulent Accounts XXXX XXXX XXXX XXXX Acct # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$770.00} XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$790.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1600.00}

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 2025-07-10 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: Kikoff Inc.
State: NV

Complaint narrative:
I am a victim of identity theft. Several accounts that were fraudulently opened under my name continue to appear on my credit reports with XXXX XXXX XXXX XXXX I have previously disputed these items and submitted proper documentation, including a police report and identity theft affidavit. Despite this, the accounts are still reporting as " verified '' or have been reinserted after removal. This violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S. Code 1681c-2 ), which requires that consumer reporting agencies block identity theft-related information within four business days after receiving proper documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: OH

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 explanation
Consumer complaint received 2025-07-10 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: SC

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: AL

Complaint narrative:
I was in XXXX car accidents with in XXXX. Both determined total loses and both determined to be the OTHER motorist was/are at fault. XXXX finance companies reported false information to the credit bureaus numerous times. Even when they would verbally acknowledge these errors of inaccuracy the companies continued to report errors '. Please I can't fight these conglomerates ' alone. I am a working class, tax paying citizen. The things that have been done to myself in regards to my credit or lack there of is against Federal consumer laws. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: MI

Complaint narrative:
I am writing to request unauthorized credit inquiries on my EXPERIAN Credit Report. My latest credit report shows XXXX credit inquiries that I did not authorize. 

I am writing to dispute the following inquiries and asking for their removal from my credit report. 
INQUIRIES ACCOUNT : INQUIRY ACCOUNT NAME : XXXX XXXX  XXXX INQUIRY ACCOUNT NAME : XXXX XXXX  XXXX INQUIRY ACCOUNT NAME : XXXX XXXX  XXXX Please have these inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

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 2025-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
I've been using Venmo for nearly 5 years and for no reason, on XX/XX/year>, they permanently suspended my account and told me to upload information to verify my identity. I did that on XX/XX/year> and received a response a few hours later which said that although I uploaded my verifying information, they would not reopen my account because " we have found that your actions and activity have been in violation of [ the user use agreement ] ''. They said they will not provide any clarification as to what actions they mean, even though my account activity has been entirely consistent and normal for the entire time that I have had the account. This is absolutely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: IL

Complaint narrative:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account

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 2025-07-10 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: IL

Complaint narrative:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account

Company response to consumer: Closed with non-monetary relief