vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: Starmark Financial LLC
State: MO

Complaint narrative:
XXXX XXXX XXXX has failed to show any verification on accounts that's on my credit report the original creditor has stated that im not liable for the debt because of fraud I want these accounts deleted from my credit report the amounts are XXXX XXXX. XXXX XXXX. Starmark fincail amount XXXXXXXX XXXX XXXX XXXXXXXX

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 2025-11-28 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: I.C. System, Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX has failed to show any verification on accounts that's on my credit report the original creditor has stated that im not liable for the debt because of fraud I want these accounts deleted from my credit report the amounts are XXXX XXXX. XXXX XXXX. XXXX XXXX amount XXXX IC systems 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 2025-11-28 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:
I am a verified victim of identity theft. TransUnion and Equifax are reporting a fraudulent {$3100.00} collection from XXXX XXXX XXXX ( XXXX XXXX XXXX  ) that does NOT belong to me. I never lived at the address, never signed a lease, and never had any account with this creditor. 

I filed an FTC Identity Theft Report ( # XXXX ) and a police report with the XXXX XXXX XXXX XXXX XXXX ( XXXX  Case # XXXX ). Both reports confirm this account was opened without my authorization. 

XXXX XXXX XXXX has failed to provide any signed lease, application, proof of ownership, or documentation linking me to the debt. Despite this, the credit bureaus continue to report the account and mark it as verified. This violates FCRA 602 ( A ), 605B, 611, and 609 ( e ). 

I am requesting the CFPB to enforce permanent deletion of this fraudulent collection under FCRA 605B, block the information, and require NCS, Equifax, and TransUnion to provide written confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Please correct/update this inaccurate information 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 non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Despite consistently meeting all payment deadlines, this issue has caused undue stress and sleep disturbances. It's concerning to face repercussions for actions I haven't taken. I kindly request an immediate correction to my account to reflect accurate information and mitigate the stress caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: TX

Complaint narrative:
This situation has led to considerable XXXX  and disrupted my sleep, which is especially frustrating given my diligent compliance with all payment obligations. Encountering problems for actions I didn't take feels unjust. I urge you to address this issue swiftly, correct any inaccuracies in my account, and help restore peace of mind.

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 2025-11-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
We try to submit a modification packet every month but the bank continues to decline by asking for a XX/XX/XXXX months profit an loss statement which we provide every time. It seems like they simply don't want to modify the loan. All of the requested conditions by the bank were met by us and we update the packet every month, and all they do is look for reasons to decline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I had listed a leaf blower for sale on XXXX XXXX for sale for {$25.00} on XX/XX/year> and someone named XXXX reached out and said her husband wanted to purchase this and provided me with his phone number which is XXXX and I sent a text letting him know it was available and he wanted to purchase through XXXX. I sent my XXXX  information and he stated he sent the payment, I checked and it was not present. And received an email stating I needed a XXXX business account to complete the transaction. I called the customer support phone number listed in the email XXXX and they started trying to fix this issue and actually XXXX called me from that same phone number but only audio call and had me share my screen and was walking me through how to send money from my XXXX account, PayPal, XXXX and XXXX to verify my account. They tried to take {$2500.00} cash advance on my XXXX credit card. They ended up having me send {$900.00} to someone named XXXX XXXX on PayPal as a friends and family payment and had me transfer {$2900.00} into XXXX and buy XXXX and transfer to them on the same day. Before I actually realized what was going on and realized it was a scam. When I did, I immediately cancelled the cash advance on my credit card through XXXX, placed a hold on my XXXX accounts and closed them and opened new accounts and attempted to dispute the charges with XXXX and PayPal. Both XXXX and PayPal denied disputes and I appealed them as well and lost both of those appeals and now am having to figure out how to pay {$3800.00} to both of these companies before this goes to collections. XXXX did not release the funds to either XXXX or PayPal and according to PayPal they already paid this individual and said I am responsible for paying PayPal despite me notifying them immediately it was a scam. And XXXX said they couldnt do anything because the funds were sent into XXXX and they cant track or stop those payments and Im responsible for those as well. I just want to be cleared of the negative balances on these accounts as they were scams and have the scammers be held responsible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
In the last 30 days, somebody has attempted to use my personal information to open an account with XXXX XXXX. I also received a letter from XXXX  XXXX XXXX claiming somebody tried to use my credit information to open a deposit account. I also received an e-mail from XXXX, which is a finance company that I had used in the past where it appears someone tried to reactivate my old line of credit. Today I received an e-mail from Chase regarding my business visa cards where someone tried to charge a small purchase of around XXXX which they declined. I've had 4 instances now in the last 30 days that I know of. I reported a " Fraud Alert '' to XXXX. XXXX XXXX confirmed that the fraudster ( s ) used a drivers license ( fake one ) as the license number and expiration did not match mine. It was suggested to me, by my creditors, to report these matters to the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-28 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint because all three credit reporting agencies have failed to follow federal law regarding the accuracy of the information being reported on my credit file. 

I previously disputed several items on my credit report and requested the required information that must be provided to me under federal law. Under 15 USC 1681i section 7, I have the legal right to receive a full description of the reinvestigation procedure your agencies used to verify the disputed information. This includes the business name, address, and telephone number of every furnisher that was contacted during the investigation. I also requested this information within the fifteen day timeframe required by law, yet I have not received it. 

The information I requested includes : The name of the original creditor The creditor address and telephone number The name of the person who verified the dispute The documentation used to validate the disputed information The procedures each bureau uses to ensure that every account reported is XXXX XXXX percent accurate Your failure to provide any of this information raises serious concerns. Under 15 USC 1681e b, you are required to maintain procedures that ensure maximum possible accuracy in every credit file. If you can not provide the evidence used to verify the disputed accounts then you are required by law to remove the inaccurate information from my report. If your procedures were not followed I am requesting immediate removal of all disputed and unverifiable items or that you reopen the investigation and conduct a proper reinvestigation. 

Your agencies have also been made aware that failure to comply with federal requirements may result in civil liability. Under 15 USC 1681n and 15 USC 1681o, you may be held responsible for willful or negligent noncompliance with the Fair Credit Reporting Act. Continued failure to provide the legally required documents leaves me no choice but to pursue litigation.

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 2025-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint because all three credit reporting agencies have failed to follow federal law regarding the accuracy of the information being reported on my credit file. 

I previously disputed several items on my credit report and requested the required information that must be provided to me under federal law. Under 15 USC 1681i section 7, I have the legal right to receive a full description of the reinvestigation procedure your agencies used to verify the disputed information. This includes the business name, address, and telephone number of every furnisher that was contacted during the investigation. I also requested this information within the fifteen day timeframe required by law, yet I have not received it. 

The information I requested includes : The name of the original creditor The creditor address and telephone number The name of the person who verified the dispute The documentation used to validate the disputed information The procedures each bureau uses to ensure that every account reported is XXXX XXXX percent accurate Your failure to provide any of this information raises serious concerns. Under 15 USC 1681e b, you are required to maintain procedures that ensure maximum possible accuracy in every credit file. If you can not provide the evidence used to verify the disputed accounts then you are required by law to remove the inaccurate information from my report. If your procedures were not followed I am requesting immediate removal of all disputed and unverifiable items or that you reopen the investigation and conduct a proper reinvestigation. 

Your agencies have also been made aware that failure to comply with federal requirements may result in civil liability. Under 15 USC 1681n and 15 USC 1681o, you may be held responsible for willful or negligent noncompliance with the Fair Credit Reporting Act. Continued failure to provide the legally required documents leaves me no choice but to pursue litigation.

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 2025-11-28 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: SC

Complaint narrative:
I am submitting a follow up on a previous dispute I submitted concerning inaccurate information on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on account. Despite my prior request, the following account still appear to reflect inaccurate or misleading information. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these account are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am a victim of identity theft. These items were not authorized by my Hard Inquiries XXXX  XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX {$910.00} XXXX XXXX XXXX {$420.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I was denied refund requests, several times, from two different accounts, the last time being today, XX/XX/XXXX, denied twice for amounts of {$1.00} and {$19.00}. The total from these and the several other times I requested refunds a few years ago, and was also denied is : {$1800.00} I'm requesting this from the company, cash app, aka Block , inc., and then I will not pursue any further legal processing to recover my funds. Below is a copy of the email I sent to legal contact at cash app today, XX/XX/XXXX : To whom it may concern : In regards to two refund requests denials I received today, XX/XX/XXXX, from account XXXX XXXXXXXX, for {$1.00} and {$19.00}, totalling {$20.00}, that i did not receive anything for the amount of money I paid, and in regards to last refund requests I sent from additional cash app account XXXX XXXX, I believe this is the correct one, a few years ago that totalled {$1800.00}. I am requesting a check in the mail to the below address, as promptly as possible in the amount of {$1800.00}, to avoid any further delay in legal action against me for the refusal to refund money to myself to the appropriate address. ( Seriously ) Note : I will be sending a paper copy to the physical address listed below ASAP as well. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX Block , Inc . 
Attn : ( Cash App ) Arbitration Agreement XXXX XXXX, XXXX XXXX XXXX, CA XXXX Taken from Cash App legal terms, XX/XX/XXXX : Any Notice to the Company should be sent by mail to Block , Inc., Attn : Arbitration Agreement, XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. Any Notice sent to you will be mailed to the address on file for your account. The Notice must : ( i ) include your name, mailing address, XXXX XXXX, and the email address and phone number associated with your account, and ; ( ii ) provide detailed information sufficient to evaluate the merits of the claiming partys individualized claim and for the other party to determine if an amicable resolution is possible ; ( iii ) set forth the specific relief sought, including an accurate, good-faith calculation of the amount in controversy, enumerated in United States Dollars , including whatever amount of money is demanded and the means by which the demanding party calculated the claimed damages ; and ( iv ) be personally signed by you or the Company, as applicable. A Notice is only valid when it pertains to, and is on behalf of, an individual party.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
This is my follow-up complaint because Capital One has not given me any path to resolve the verification issue and open a new checking account. 

My previous 360 Checking account was closed because Capital One stated that my contact information could not be verified. I fully respect the banks security process, but I was never given any opportunity to submit documents for manual identity verification. Every representative told me that my closure was permanent, even when I offered to upload or provide my valid ID, ITIN, passport, and proof of address. 

I want to clarify that I am not asking Capital One to reopen the closed account. I fully accept that the previous account can not be restored. 

Instead, I am asking for a chance to complete a proper identity verification review conducted by a human compliance officer, so that I can open a * * new checking account * * as a fully verified customer. 

I am a lawful resident of XXXX  and can provide all required documentation at any time. The issue appears to be a false negative from Capital Ones automated verification system, and I simply need a manual review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: SC

Complaint narrative:
I am submitting a follow up on a previous dispute I submitted concerning inaccurate information on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on account. Despite my prior request, the following account still appear to reflect inaccurate or misleading information. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these account are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I told the company or rental place XXXX XXXX years ago that my wallet was stolen at the time. Someone else used my Social but partially parts of my name to rent a unit from them. It clearly wasnt me with the Fake name that was reportedly used. Which was fraudulent on the other persons behalf. They used my name, social security, IDENTIFICATION and email, portraying to be me. I never knew this was still on my credit report or still an issue.

Company response to consumer: Closed with explanation