vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX The account was paid in full XX/XX/21, but it shows up as a closed account. I've reached out to the credit bureau on multiple occasions and nothing was done

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 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Details of the Complaint : Subject : Unauthorized Collection Listed on Credit Report and Unauthorized Credit Inquiry by Portfolio Recovery Associates Date of Incident ( s ) : XX/XX/year> Description of the Issues : Lack of Correspondence and Notification : I have not received any prior correspondence or notification from Portfolio Recovery Associates regarding the alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive a written notice detailing the debt within five days after the initial communication. 

Failure to Validate Debt : There has been no validation of the debt as required. According to the FDCPA, upon my request, the debt collector must provide verification of the debt. I have not received any such validation.

Unauthorized Credit Reporting : The company has reported this collection to my credit report without my prior knowledge or notification. This action violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that consumers must be informed about the placement and status of any collections on their credit report. Unauthorized Credit Inquiry : Without my consent, Portfolio Recovery Associates has accessed my credit report. Under the FCRA, a permissible purpose is required to access a consumer 's credit report. Unauthorized
inquiries can harm my credit score and violate my privacy rights.

Specific Law Violations : FDCPA Violations : Failure to provide required written notice ( 15 U.S.C. 1692g ( a ) ).

Failure to cease collection efforts until debt validation is provided ( 15 U.S.C. 1692g ( b ) ).

FCRA Violations : Failure to notify the consumer of reporting negative information on their credit report ( 15 U.S.C. 1681s-2 ( a ) ( 7 ) ).

Unauthorized access to my credit report without a permissible purpose ( 15 U.S.C. 1681b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: VA

Complaint narrative:
There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. I am expecting that you'd address this soon. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: VA

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 2025-08-04 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: VA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: LA

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting by XXXX XXXX  ( or their affiliated collection agency ). 

On XX/XX/year>2025, I paid a settlement in full on my XXXX XXXX  XXXX XXXX account. I have confirmation of the payment and settlement agreement. 

However, my credit report now shows the account as charged off and closed between XX/XX/XXXX and XX/XX/year>2025, after I had already resolved the debt. This reporting is inaccurate and misleading, as the account was no longer delinquent at the time of the update. 

I have attempted to contact the creditor to request a correction, but the inaccurate remark remains. I am requesting that : 1. The credit reporting be updated to reflect that the account was settled on XX/XX/year>2025. 
2. The charge-off status be removed or replaced with Settled Paid or Paid in full, depending on their policy.

3. The account status accurately reflect that the balance has been paid and the account resolved.

I am attaching payment confirmation and relevant documentation. I respectfully ask the CFPB to review this issue and assist in getting the inaccurate reporting corrected.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: NJ

Complaint narrative:
An unauthorized account is still sitting on my credit file reported by TransUnion without my written instruction, which is a direct violation of 15 U.S.C. 1681b ( 2 ). No one had the right to report this without my explicit consent. The account is XXXX XXXX XXXXXXXX. Thats not just wrongits illegal. My privacy under XXXX XXXX. XXXX ( XXXX ) was flat out ignored. The reporting party had zero legal authority to place this on my report. There was no contract, no verification, no documentation. That breaks 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy. None of that happened. No investigation, no confirmation, no due processjust sloppy, reckless reporting that ended up damaging my life. This isnt just a credit issue. Ive been denied housing, missed financial opportunities, and dealt with the emotional and financial mess that came with it. This is identity abuse. This is defamation. Ive already done my part. I submitted disputes. I followed procedure. And nothing was fixed. That tells me this isnt a mistakeits being intentionally ignored. Im demanding immediate deletion. If this isnt handled now, I will take legal action under 15 U.S.C. 1681n and 1681o. Im not asking again. Fix this or face the consequences.

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 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synergetic Communication Inc
State: NC

Complaint narrative:
I received an email from XXXX XXXX yesterday XX/XX/XXXX that a new account had been added to my credit report. When I investigated, I discovered that a collection by a group called Synergetic communications had been added back on XX/XX/XXXX and that they had now added a derogatory remark to my credit report. Prior to receiving the email yesterday from XXXX XXXX, I had been given no notice of a new account. How is it possible for them to post a derogatory remark when I was never made aware of the account to begin with?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: AL

Complaint narrative:
RENTDEBT AUTOMATED COL is falsely reporting on my credit. I have never had any accounts with them. Per my research RENTDEBT AUTOMATED COL is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: IL

Complaint narrative:
Student loan accounts from DEPTEDXXXX were reported to my credit file without my written consent, violating FERPA regulations. I submitted a prior dispute to the credit bureau but received no evidence of authorized disclosure. This continues to harm my credit and breaches both FERPA and FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
On XX/XX/2025 at XXXXXXXX XXXX  I contacted XXXX XXXXXXXX XXXX XXXX through XXXX for a bounce house rental for my daughters first birthday. 
We discussed options and pricing and I ultimately made a {$100.00} deposit via XXXX XXXX  using Zelle. I sent them a confirmation and they were supposed to send the payment receipt and a contract. I instantly received a XXXX payment confirmation but never received a contract I reached out to them several times after with no response yet they viewed my messages and then blocked me. My messages now say couldnt send and content isnt available when I try to go to their business page.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
Received a letter in mail about an account at Santander bank on XXXXhave never had or opened this account ( XXXX ). They refused to close the 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 2025-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: OK

Complaint narrative:
I have a mortgage with Penny Mac on one property ( XXXX  XXXX XXXX ) and insurance on that property is through XXXX XXXX XXXX. Each month I remit payment and part of it goes to escrow. I purchased a different home ( XXXX XXXX XXXX ) on XX/XX/XXXX using a different mortgage company and XXXX XXXXXXXX XXXX XXXXXXXX. So Penny Mac should not in any way be involved in this transaction. Some time near XX/XX/XXXX ( I don't recall the exact date ), I received a call from Penny Mac stating they had somehow received the policy for my new property on XXXX XXXX XXXX and paid it using my escrow funds for the XXXX  XXXX XXXX home. Now my escrow account is short and they won't put the money back. They never should have received the policy ( they state the XXXX XXXX sent it to them and they just blindly paid it assuming it was for my XXXX XXXX XXXX home that I do mortgage with them. Although they admit they erroneously paid it, they refuse to put the money back. I've requested the insurance company pay back Penny Mac but they refuse and Penny Mac says they won't do anything about it. I've called multiple times and am always told to take it up with my insurance company but the insurance company states to take it up with Penny Mac. All I know is Penny Mac never should have paid it, so why they refuse to put the money back is frustrating. I'm attaching my loan activity with Penny Mac that shows where they have now paid for two policies in the last two months, and one is not even for my property I mortgage with them! Also combined in that document is my XXXX XXXX insur policy, clearly showing the property insured is not the same as the mortgaged property.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year>, a {$2000.00} charge was made to my Citi credit card by " IN * XXXX XXXX XXXX '' for interior design services. The designer failed to deliver services as promised, refused to provide receipts or documentation for purchases, and abandoned the project on XX/XX/year>. I filed a dispute with Citi on XX/XX/year>, under the reason " goods/services never received. '' Initially, Citi closed the case without requesting supporting documentation from me. I contacted Citi by phone to request the case be reopened. On XX/XX/year>, I received confirmation that Citi would attempt to recover the funds based on the documentation I submitted. 

However, on XX/XX/year>, and again on XX/XX/year>, Citi sent letters stating that the merchant refused to issue credit and the case was closed with no further recourse through Citis process. Despite my detailed evidence and lack of merchant documentation, Citi sided with the merchant.

I am seeking a refund of the {$2000.00} charge due to services not rendered, lack of documentation, and the banks failure to properly evaluate the dispute. The case was closed without Citi conducting a fair and thorough investigation, despite multiple points of failure by the merchant.

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 2025-08-04 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: NM

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX XXXX ( XXXX ) on my Equifax credit report. I submitted a written dispute to Equifax on XX/XX/year>2025, which included evidence that the debt is : Time-barred under New Mexicos 4-year statute of limitations Unvalidated by the furnisher ( XXXX ), despite my FDCPA request Possibly inaccurate and unverifiable Despite this, Equifax responded that the account was verified as reported. I received no documentation, no investigation results, and no information about how the verification was performed. 

I also sent a XXXX XXXX XXXX request under FCRA 611 ( a ) ( 7 ) and received no reply. 

XXXX has never validated the debt and continues to report it despite being in violation of the FDCPA and FCRA. Equifaxs failure to conduct a reasonable investigation and continued reliance on unverifiable data represents a violation of FCRA 611 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion falsely verified my XXXX XXXX account as accurate on XX/XX/year>, without any XXXX of XXXX or supporting documents. 
The debt has never been validated ; the collector confirmed it could not locate the account, and XXXX  already deleted it. 
Additionally, TransUnion has blocked my online access, leaving me unable to view my credit report or disputes, violating FCRA XXXX ( b ), XXXX ( a ), XXXX ( a ) ( XXXX ) and FDCPA XXXX ( b ).

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 2025-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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 2025-08-04 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX U.S. Code XXXX ) 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 2025-08-04 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:
I am contacting you regarding a fraudulent account that has been reported under my name. This entry is incorrect, unauthorized, and does not reflect any transaction or agreement I have made.

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