vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-13 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:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: NY

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX 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 XXXXXXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$820.00} 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 XXXX 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 2025-08-13 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: GA

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 XXXX 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 Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$14000.00}

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 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: OR

Complaint narrative:
I have filed FTC Identity Theft Report Number : XXXX because the accounts listed on my credit report do not belong to me. I have never entered into any agreement with these companies, nor have I signed any contracts or agreed to pay these debts. I discovered these accounts while preparing to buy a house, and they have negatively impacted my credit report. I have already begun contacting each collection agency and creditor to demand proof and proper validation of these debts, which I believe are fraudulent. Despite my efforts, I continue to receive calls and notices for debts that are not mine. I am pursuing this police report to formally document the identity theft and to support my efforts to have these accounts removed. If these companies fail to remove these false accounts, I am prepared to take further legal action to protect my rights. I have contacted the XXXX credit bureaus about these accounts, but they advised me to send dispute letters instead. 

Over the past year, I even hired XXXX XXXX XXXX and Safe XXXX XXXX to help, but nothing has been resolved. Every time the credit bureaus contact these collection agencies ; they just mark the accounts as verified even though I have never agreed to any of these debts. It feels like a never-ending loop. I am frustrated that the credit bureaus are not properly investigating. This is why I decided to file a police report and an FTC identity theft claim. I have now sent physical dispute letters directly to the collection agencies and all three credit bureaus. If they do not remove these false accounts within 30 days, I will take further action as advised by the FTC. My identity has been compromised, and I want these fraudulent debts off my record. I filled with XXXX XXXX  Department but was advised to file with you. 

Here are the negative collection companies reporting without verifying the debt. I never mad agreements to pay them, I never made contract with them, I don't owe them anything, they have failed to provide any documentations that show original signature that I came to agreement to pay them them such debt and they are violating the law by reporting to my credit report without verification. THIS IS DUE TO IDENTITY THEFT. 

I reported this to the police, filed and FTC report. The collection was removed and now its back again. I looked on credit karma portal and it there is prrof the debt was removed. It has been added again and there was nothing sent to me within the XXXX days. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: DE

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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:
Subject : XXXX XXXX XXXX Credit Bureaus and XXXX XXXX XXXX for XXXX XXXX FCRA and FDCPA To Whom It XXXX Concern, I, XXXX XXXX, am submitting this formal complaint against XXXX XXXX XXXX and the XXXX major credit bureausEquifax, XXXX XXXX XXXXand for multiple violations of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ). 
Disputed Accounts XXXX XXXX  XXXX Account Ending in XXXX CXXXX XXXX Account Ending in XXXX XXXX Account XXXX XXXX Account Dispute History : The XXXX  XXXX accounts were disputed multiple times between XXXX and XXXX through XXXX XXXX XXXX including formal disputes to the Consumer Financial Protection Bureau XXXX XX/XX/XXXX, and XX/XX/XXXX. Despite these disputes, the accounts continue to be reported inaccurately and were allegedly sold to XXXX XXXX XXXX without proper verification or legal authority, violating consumer protection laws. 
Violations : Fair Credit Reporting Act ( FCRA ) Violations : 1. 1681s-2 ( a ) ( 1 ) ( A ) Reporting information known to be inaccurate.

2. 1681i ( a ) Failure to conduct a reasonable reinvestigation of disputed information. 
3. 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy.

4. 1681b Accessing or using consumer reports for impermissible purposes.

5. 1681c Reporting outdated or obsolete information. 
Fair Debt Collection Practices Act ( FDCPA ) Violations : 1. 1692e ( 8 ) Communicating or threatening to communicate false credit information.

2. 1692g ( b ) Continuing collection activities without validating the debt after dispute. 
XXXX. XXXX Engaging in conduct that harasses, oppresses, or abuses the consumer. 
Damages and Legal Action : Due to these violations, I will be seeking the following remedies if accounts are not deleted in the next 15 days. 
Compensatory Damages : Emotional distress and mental anguish caused by inaccurate reporting. 
Denial of credit and increased interest rates due to lowered credit scores. 
Statutory Damages : Up to {$1000.00} per violation under FCRA and FDCPA. 
Punitive Damages : For willful violations under FCRA 1681n, punitive damages may be awarded to deter future misconduct. 
I am currently engaging an FCRA attorney to pursue legal action regarding these violations. This includes the XXXX XXXX XXXX accounts, the XXXX  account, and the XXXX XXXX accountall of which are being reported or collected on in violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: GA

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 XXXX 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  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXXXXXX XXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$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 2025-08-13 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: MD

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 XXXX 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 - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: KY

Complaint narrative:
I discovered that Jefferson Capital Systems is reporting a collection account on my credit report for a debt I do not recognize and do not owe. I have never received any written notice from Jefferson Capital regarding this alleged debt, and I have had no prior communications with them. This account appeared on my credit report without proper validation or verification, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I have not been provided with any documentation proving that Jefferson Capital owns this debt or that I am legally obligated to pay it. Because I have no contract or relationship with Jefferson Capital, and no proof has been provided, I dispute the accuracy and legitimacy of this account in its entirety.

I am requesting that Jefferson Capital immediately cease reporting this account to all credit bureaus unless they can provide complete validation of the debt, including proof of ownership, a full payment history, and a copy of the original signed agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: UPGRADE, INC.
State: CA

Complaint narrative:
Re : Request for Information and Dispute Under 15 U.S.C. 1681a ( 6 ) ( B ) ( iii ) To Whom It May Concern, I am writing to formally exercise my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( 6 ) ( B ) ( iii ). My recent consumer report was accessed and used for purposes covered under this provision. I request the following : 1. Full disclosure of the information in my file that was provided to the user of the report, including the specific items of information and the sources of that information. 
2. Identification of the party that obtained or used my consumer report, including their name, address, and permissible purpose claimed.

3. If any information in my file is inaccurate, incomplete, or unverifiable, I request that it be promptly corrected or deleted in compliance with 15 U.S.C. 1681i.

This letter also serves as a dispute of any inaccurate or unverifiable information contained in my consumer file. Please investigate and provide written confirmation of your findings and any corrections made. 

Under the FCRA, you are required to respond within the statutory time frame. I request all correspondence be sent to the address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I have been a victim of identity theft since XXXX. I have not lived in the XXXX since XXXX. Recently, I discovered that the identity thief had opened a new credit card from JPMCB in XX/XX/XXXX. I already filed a complaint at the CFPB and a dispute at XXXX  to close it. Despite my efforts, both agencies confirmed that it was mine. I want to clarify that the identity thief opened the JPMCB credit card by using my personal information. I did not engage in any financial/banking activities in the XXXX in XXXX. 
The credit card company may refuse to close the card because some payments were made. The thief opened the card and made payments, not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
Complaint Category : Money transfer or virtual currency Unauthorized transaction Complaint Summary : Cash App ( Block, Inc. ) wrongfully denied my dispute for an unauthorized {$350.00} transaction to XXXX XXXX XXXX on XX/XX/scrub>, 2025, in violation of the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and Regulation E ( 12 C.F.R. 1005 ).

Details : My Cash App card was reported lost on XX/XX/year>2025, and never recovered. 

The disputed transaction was not authorized by me and I have never used XXXX XXXX. 

I filed my dispute on XX/XX/year>2025, well within the 60-day period required by law. 

Cash App refused to investigate properly, telling me to contact the merchant directly, which is contrary to their obligations under 12 C.F.R. 1005.11 ( b ) ( 1 ).

They have provided no documentary evidence ( signed receipt, PIN verification, biometric match ) proving authorization.

Under 1005.11 ( c ) ( 2 ), the burden of proof lies with the financial institutionnot the consumer.

Harm : I am out {$350.00} and {$250.00}, have incurred financial hardship, and have had to divert funds from essential living expenses. Cash Apps refusal to follow EFTA and Regulation E has deprived me of my statutory rights and protections.

What I Want : Immediate refund of {$350.00} and {$250.00} as required under EFTA and Regulation E.

Disclosure of all documentation they relied upon in denying my dispute.

Assurance that similar future disputes will be handled in compliance with federal law. 

Attachments : Cash App denial email from XXXX, Support Manager. 

Original dispute submission, case # XXXX. 

Additional Notes : I have informed Cash App that failure to comply will result in civil litigation, statutory damages, and initiation of a class action lawsuit on behalf of similarly impacted customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: GA

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 XXXX 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 : XXXX, Date Opened : XXXX, Balance : {$00.00} XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$1400.00} 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 XXXX 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 2025-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Summary : Mortgage servicer repeatedly mismanages my escrow account for a loan covering XXXX separate houses. Each year, I spend significant time correcting errors that jeopardize my insurance coverage. 

Details : Loan requires : XXXX homeowners policies, XXXX flood policies, XXXX tax bill. 

Prior CFPB complaint ( XXXX XXXXXXXX ) involved improper force-placed flood insurance. 

This year, servicer is trying to force-place property insurance on XXXX XXXX, despite the policy being paid and active. 

Nearly caused lapse of Building XXXX insurance due to failure to pay premium from escrow. 

This pattern has occurred annually since they took over servicing. 

Customer service is inaccessible ; calls loop through automated systems without reaching qualified staff. 

Harm : Risk of insurance cancellation and potential financial loss. 

Significant time and effort required each year to fix their errors. 

Requested Resolution : Correct escrow records immediately. 

Confirm in writing no unnecessary force-placed insurance will be applied. 

Implement controls to ensure proper handling of all policies and tax payments. 

Provide compensation for time and risk caused by repeated errors.

Company response to consumer: Closed with explanation