vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Contemporary Information Corp
State: NC

Complaint narrative:
CIC has reported my PRIVATE, PERSONAL & CONFIDENTIAL information on Public reports which has caused detrimental details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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:
Several accounts have appeared on my credit reports that I did not open or authorize. These include credit cards, store accounts, and collection accounts that are inaccurate and unverifiable. I have reviewed my credit reports from Experian, Equifax and TransUnion and confirmed that these accounts are not mine. I submitted an Identity Theft Report to document this misuse of my personal information. I am requesting that all fraudulent and inaccurate accounts be removed immediately. I have attached my Identity Theft Report and dispute letters for all three bureaus to support this request.

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 2025-11-16 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: NY

Complaint narrative:
Several accounts have appeared on my credit reports that I did not open or authorize. These include credit cards, store accounts, and collection accounts that are inaccurate and unverifiable. I have reviewed my credit reports from Experian, Equifax and TransUnion and confirmed that these accounts are not mine. I submitted an Identity Theft Report to document this misuse of my personal information. I am requesting that all fraudulent and inaccurate accounts be removed immediately. I have attached my Identity Theft Report and dispute letters for all three bureaus to support this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: WA

Complaint narrative:
Cash App has been holding my money for several months without any explanation. I have contacted their support team multiple times through email, chat, and phone. Each time, I was told that a case had been opened and that I would receive an update by email but I never received any response or resolution. 

After weeks of calling daily, I finally received a vague email stating that Cash App had reached an agreement with the Consumer Financial Protection Bureau regarding issues with their historical customer service program. The message did not address my specific case or explain how I could access my funds.

In addition to my account, my daughters Cash App account is also on hold, and she has received no explanation or communication from Cash App regarding her funds. Both of our accounts remain frozen, with no timeline, no reason provided, and no path to resolution. 

I believe these issues fall under the same customer service failures identified in the CFPBs enforcement action against Block, Inc. ( Cash App ). I request that both accounts be reviewed immediately and that our funds be released or refunded without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: Paramount Capital Group, Inc.
State: FL

Complaint narrative:
I am filing this complaint because Experian and the data furnisher have violated multiple provisions of the Fair Credit Reporting Act ( FCRA ) by unlawfully reinserting a previously deleted collection account on my credit report. The name of the creditor is Paramount Capital Group AccXXXX Specifically, they failed to provide the required notice within 5 business days as mandated by FCRA 611 ( a ) ( 5 ) ( B ). 

Furthermore, this reinsertion occurred without the legally required certification of accuracy from the furnisher and without providing me any Method of Reinvestigation as required under FCRA 611 ( a ) ( 7 ). Additionally, this continued reporting of inaccurate and unverified information violates FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-11-16 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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-16 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: GA

Complaint narrative:
XXXX our address XXXX I didn't do it I have nothing to do with it I locked all of my credit reports except for XXXX  and I don't understand why why

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 2025-11-16 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I called multiple times to resolve my debt of {$980.00}. I have also sent emails and never received a follow up from anyone other than the XXXX men I spoke to. When I spoke with the representative XXXX XXXX, XXXX XXXX, at XXXX, his attitude was very nasty and disrespectful! It seemed like he already had an attitude before I called and took out his frustration on me. He told me to check my email to receive a notification regarding a letter. I responded, Please, his response was No. I said to him your tone is disrespectful when youre asking me to do something you can say please then I asked him to watch his tone, and he cut me off, arguing with me. It got to the point where I was yelling for him to stop disrespecting me. Then, I asked to speak to a supervisor he said ok in a nonchalant attitude I was transferred to XXXX XXXX, XXXX XXXX, at XXXX. He was even worse. There was no professionalism whatsoever. When explaining what happened with XXXX he didnt acknowledge my issue. He was very dry he didnt care to help me with my account he told me, I just want my feelings cuddle. When I told him how horrible the customer service with this company is. I finally just hung up on him because I was in disbelief how they treated me. When I called back the next day I was transferred to XXXX again I asked to speak with someone else. Literally his response was For what your going to get transferred to me again so his tone when he said what he said was absolutely ridiculous. I can understand if I called in with an attitude, yelling and screaming but to be treated disrespectfully. When I was very nice was absolutely disgusting! All I want is to receive a pay and delete to settlement letter to pay my balance so I wont have to deal with this company anymore! Ive never experienced this level of rudeness, disrespect, and lack of customer support in my life! I want to speak with someone who can better assist because honestly I dont feel that, they will handle my situation properly and will intentionally cause harm to my credit! An honestly the level of abuse I received I should file lawsuit against this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: MI

Complaint narrative:
My identity was stolen while I was in XXXX  and I have all documents to support my claim. Attached is all documents and I want the credit reporting agencies to block all accounts and remove them within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: Kriya Capital, LLC
State: NJ

Complaint narrative:
I am a victim of identity theft on XX/XX/XXXX i sent this furnisher a complete identity theft package under FCRA 623 including my ftc identity theft report government id proof of address and a highlighted credit report showing the fraudulent account they are reporting This furnisher is in violation of FCRA 623 because they failed to delete the fraudulent account and continued to furnish inaccurate information to the credit report agencies they either ignored my request or verified the account without providing any proof that i opened or authorized it.

under FCRA 623 furnishers must investigate and remove fraudulent information cease reporting to CRAS and notify each CRA to remove it XXXX XXXX Account ending in XXXX XXXX XXXX XXXX XXXXXXXX Status : COLLECTION CHARGEOFF XXXX XXXX Account ending in XXXX XXXX XXXX XXXX XXXXXXXX Status : COLLECTION CHARGE OFF XXXX XXXX Account ending in XXXX XXXX XXXX XXXX XXXX Status : COLLECTION CHARGE OFF XXXX XXXX ACCOUNT ending in XXXX XXXX XXXX XXXX XXXXXXXX Status : COLLECTION CHARGE OFF XXXX XXXX  - ACCOUNT ending in XXXX XXXX XXXX XXXX XXXXXXXX Status : COLLECTION CHARGE OFF XXXX XXXX - Account ending in XXXX XXXX XXXX XXXXXXXX Status : COLLECTION CHARGE OFF XXXX XXXXCE- Account ending in XXXX XXXX XXXX XXXX XXXX  Status : COLLECTION CHARGE OFF

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: FL

Complaint narrative:
I am filing a complaint regarding inaccurate reporting by Westlake Financial and the credit reporting agencies.

Westlake Financial is reporting an auto loan as OPEN with a balance of {$31000.00}, even though I no longer have the vehicle associated with this loan. An account can not be legally reported as open when the consumer does not possess the vehicle.

I requested verification and correction from Westlake Financial and received no clear documentation proving the account is open or active. I also disputed this information with XXXX XXXX XXXX XXXX, but they continue to report the account inaccurately.

This information is inaccurate, unverifiable, and incomplete, violating the Fair Credit Reporting Act ( FCRA ). I am requesting : 1. The accurate account status ( closed, repossession, charge-off, or surrender ) 2. Removal of the open status from all credit bureaus 3. Correction or deletion of all inaccurate reporting 4. A written response confirming compliance I am requesting the CFPB to intervene to ensure that Westlake Financial and the credit bureaus correct or delete this account.

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Under the IRS laws once a creditor charges off a debt they are required to file a 1099-c as well as following the irs laws XXXX The creditor is reporting a balance and shows incorrect info like inaccurate payments. Per IRS laws I was not provided a copy of the 1099-c. By law 15 U.S. code 1681 e ( b ) and U.S.code 1681b ( a ) ( 2 ) I am no longer responsible for this debt. A discharge of indebtedness because of a decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. A creditor 's defined policy can be in writing or an established business practice of the creditor. A creditor 's established practice to stop collection activity and abandon a debt when a particular nonpayment period expires is a defined policy. Enter " XXXX XXXX in XXXX XXXX to report this identifiable event.

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 2025-11-16 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: TX

Complaint narrative:
On XX/XX/year>, XXXX  publicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identified as an affected consumer and received notice of the breach. Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my XXXX  credit report. I do not authorize XXXX  or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach. 

Harm Caused : These derogatory accounts have damaged my credit standing and impaired my ability to obtain financing. Because XXXX  allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appearonmyfile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : FORMAL DEMAND TO DELETE CLOSED ACCOUNT FCRA, XXXX & XXXX XXXX Account : XXXX To Whom It XXXX Concern : This letter serves as an aggressive, formal demand for the immediate and permanent removal of the above-referenced CLOSED XXXX  XXXX account from all consumer reporting agencies. 
You are reporting data that violates multiple federal laws, and I will not tolerate continued false reporting. 
XXXX. YOU ARE REPORTING FALSE, CONTRADICTORY, AND MISLEADING INFORMATION My credit file shows XXXX balance, XXXX scheduled payment, XXXX actual payment, and NO activity, yet you continue to report XXXX, XXXX, XXXX, and XXXX late payments on a closed account which is impossible. 
This violates : - 15 USC 1681e ( b ) Maximum possible accuracy - 15 USC 1681i ( a ) Duty to conduct a proper reinvestigation - 15 USC 1681s-2 ( a ) Duty of a furnisher to report accurate information 2. THE ACCOUNT IS CLOSED YET YOU CONTINUE TO REPORT ACTIVE DEROGATORY HISTORY A closed account can not legally accrue new late payments. Your reporting is inaccurate, deceptive, and violates : - 15 USC 1681s-2 ( b ) - FCRA 623 3. YOUR " VERIFIED '' RESPONSE IS INVALID The bureaus reported you verified this account. Yet the data remains impossible and contradictory.

This is willful noncompliance under : - 15 USC 1681n - 15 USC 1681o 4. FORMAL DEMAND FOR IMMEDIATE DELETION Because XXXX  XXXX continues furnishing inaccurate and unverifiable information, I demand : IMMEDIATE DELETION OF THIS ENTIRE ACCOUNT from all consumer reporting agencies. 
You have 15 days to delete the account and provide written confirmation. Failure to comply will result in : - CFPB complaint- FTC complaint- Attorney General complaint - Legal action seeking statutory and punitive damages You are officially on notice. 
Sincerely, 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 2025-11-16 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: PR

Complaint narrative:
TransUnion is reporting two 120-day late payments in XX/XX/year> and XX/XX/year> for my XXXX XXXX XXXX XXXX XXXX XXXX ( last 4 digits : XXXX ). These payments are incorrectly reported, as my account was never 120 days past due. I have contacted TransUnion in writing, requesting a correction or removal of this inaccurate information, as it violates the Fair Credit Reporting Act ( FCRA ). 

The incorrect reporting is negatively affecting my creditworthiness and my ability to obtain loans and credit on fair terms. I request that TransUnion conduct a full investigation, and if they can not verify the accuracy of this information, that the account be removed from 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 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Im trying to see what all banks I owe online and in real bank branches to see what I owe or why I can not make an account or open a second change account or bank etc

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 2025-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
{$900.00} XXXX XXXX  I do not owe this never opened an acct have filed a police report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: IN

Complaint narrative:
I want to clarify that I am the consumer, and I am the one submitting this dispute. I have not authorized any third party to act on my behalf. All disputes are being made directly by me, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request an investigation into inaccurate or fraudulent information appearing on my TransUnion credit file.

Please proceed with my dispute as required under : 15 U.S.C. 1681i ( a ) Your duty to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 2 ) Your obligation to forward all relevant information to the furnisher 15 U.S.C. 1681e ( b ) Your duty to ensure maximum possible accuracy I am requesting that you immediately begin the reinvestigation and correct or delete all information that can not be verified as accurate.

If TransUnion believes any documents or identification are needed to confirm my identity, please notify me immediately so I can provide them. 
Thank you for your attention.

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 2025-11-16 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: AR

Complaint narrative:
Upon reviewing my credit reports, I have identified several inaccuracies. 
I am writing to formally dispute the accuracy, completeness, and verifiability of these accounts and inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED/NO PERMISSABLE CAUSE INQUIRIES ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-Off Status Conflicts With Reported History 2. Incomplete / Missing Data Account Is Legally Incomplete 3.Potential Re-Aging / Misreporting of Dates

Company response to consumer: Closed with non-monetary relief