vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 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: AR

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports I notice some accounts I am not familiar with. I have ask the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a validation of debt letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: AR

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports I notice some accounts I am not familiar with. I have ask the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a validation of debt letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: CT

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed fraudulent accounts. Please remove these fraudulent accounts from my credit. They are hurting my ability to obtain credit

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Capital One is illegally and inaccurately reporting late payments for my credit card account XXXX. 
They account is reporting as 90days late back to back months in XX/XX/year> to XX/XX/year> and then XXXX late in XXXX. Its impossible to be XXXX late in consecutive months. Ive called Capital One and they said they were not doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CARCO Group, Inc.
State: GA

Complaint narrative:
Cisive is reporting false employment information to potential employers. They list XXXX XXXX as a previous employer, although I never formally accepted a job or received any compensation. I disputed this information twice and provided documentation, but Cisive continues to claim the information is verified. It has been over 60 days since my initial dispute, and no correction has been made. This false report has led to multiple job denials, which is critical as I am a XXXX XXXX XXXX Cisives failure to ensure accurate reporting and their failure to properly reinvestigate are clear violations of 15 U.S.C.

1681e ( b ) and 15 U.S.C. 1681i. I am requesting immediate action.

Additional Issue : Cisive is also reporting multiple false or duplicate employment entries for XXXX XXXX XXXX. There are currently XXXX separate entries listed on my report, but only XXXX events occurred : XXXX. Attendance at XXXX XXXX XXXX. Orientation 3. Employment from XX/XX/year> through present This excessive and misleading reporting creates confusion and misrepresents my employment history, affecting hiring decisions and violating FCRA accuracy requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX XXXX U.S.C. XXXX that XXXX , the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of DEPT OF ED AIDVANTAGE XXXX which is now a collection account at XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX Date : [ Insert Date ] TO : Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Identity Theft Dispute Formal Request for Deletion and Damages ( FTC Report # XXXX ) To Whom It May Concern : I am writing to formally dispute the inaccurate and fraudulent information that has been reported on my credit file as a result of identity theft. As documented in my attached FTC Identity Theft Report ( # XXXX ), I am a verified victim, and my personally identifiable information was compromisedlikely due to the Equifax, Experian, TransUnion, and XXXX data breaches.

Under 15 U.S.C. 1681c-2 ( FCRA 605B ), I am invoking my right to block and demand deletion of all items on my credit report that resulted from this identity theft. Additionally, under 15 U.S.C. 1681s-2, furnishers of information are required to report accurate data and remove information they know to be incorrect or fraudulent. 

I also cite 15 U.S.C. 1692c ( c ) and 1692e, which prohibit continued collection or misrepresentation of debts after notification of identity theft. Furthermore, I assert my rights under UCC 1-308 ( without prejudice ) to reserve all legal rights and remedies in this matter. 

The following fraudulent accounts must be permanently deleted from all 3 of my credit reports : 1. XXXX XXXX XXXX Account opened : XX/XX/XXXX Balance : {$1700.00} 2. XXXX XXXX Account opened : XX/XX/XXXX Balance : {$380.00} 3. XXXX / XXXX XXXX XXXX XXXX Account opened : XX/XX/XXXX Balance : {$510.00} 4. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account opened : XX/XX/XXXX Balance : {$18000.00} and {$18000.00} These accounts are fraudulent, opened without my knowledge, consent, or authorization. Continued reporting of these items causes me financial harm, emotional distress, and damages my creditworthiness. 

I demand that you : Immediately remove all referenced fraudulent accounts from my credit file under FCRA 605B. 
Notify all furnishers and debt collectors of the identity theft report and block the information. 
Cease and desist all attempts to collect on these debts as required by 15 U.S.C. 1692c ( c ). 
Provide me written confirmation of the deletions within 30 days, per 15 U.S.C. 1681i ( a ). 
Note that any failure to comply may result in a formal complaint to the CFPB, FTC, and potential civil action seeking monetary damages under 15 U.S.C. 1681n and 1681o. 

All attached evidence, including the FTC Identity Theft Report, is provided in good faith and under penalty of perjury. 

Sincerely, XXXX XXXX XXXX Without Prejudice

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
My federal student loan was placed in forbearance by Aidvantage effective [ but late payments from it are still being reported on my credit report. I am requesting that the credit bureaus update this account to remove the inaccurate delinquency, as I was not required to make payments during that time. My attached forbearance approval confirms this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I originally submitted a dispute with experian because I was making payments on a credit card and it wasn't showing that I was and after they received it they changed the amount that I owe from {$1100.00} to {$98.00} and all I had left to pay was {$700.00} now my credit has taken a huge hit and I'm beyond stressed about this.

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 2025-06-07 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:
To whom it may concern : XXXX XXXX XXXX XXXX balance of XXXX has been reported to the credit reporting agency with falsified and inaccurate information. I have never had an account with a creditor, and requested validation of this debt due to fraud and inaccurate reporting to or by the credit bureau. I have received a copy of my credit report. To my surprise, you are reporting this account shown above as false with the intent to ruin my reputation and name. 

This collection account is reporting not only as OPEN as of XX/XX/XXXX, but also shows XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX past due as of XX/XX/XXXX past due balance XXXX XXXX XXXX which is shown above as false information. I do not have an open, active, or validated account with XXXX XXXX XXXX. According to FCRA, I have the right to accurate credit reporting. 

Please remove the XXXX XXXX XXXX act # XXXX account immediately upon receiving this information from my credit report as a collection account. Please provide me with a copy of my new credit report reflecting the removal from reporting as a collection account. 

Sincerely

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 2025-06-07 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: GA

Complaint narrative:
To whom it may concern : XXXX XXXX XXXX XXXX balance of XXXX has been reported to the credit reporting agency with falsified and inaccurate information. I have never had an account with a creditor, and requested validation of this debt due to fraud and inaccurate reporting to or by the credit bureau. I have received a copy of my credit report. To my surprise, you are reporting this account shown above as false with the intent to ruin my reputation and name.

This collection account is reporting not only as OPEN as of XX/XX/XXXX, but also shows XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX past due as of XX/XX/XXXX past due balance XXXX XXXX XXXX  which is shown above as false information. I do not have an open, active, or validated account with XXXX XXXX XXXX. According to FCRA, I have the right to accurate credit reporting. 

Please remove the XXXX XXXX XXXX act # XXXX account immediately upon receiving this information from my credit report as a collection account. Please provide me with a copy of my new credit report reflecting the removal from reporting as a collection account. 

Sincerely

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 2025-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-06-07 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: TX

Complaint narrative:
A purchase was made with the streaming service, and when I log onto the streaming service, the service is not available, the service is XXXX XXXX, and they dont have a number to contact them. They only operate by email or live chat. I have reached out to both. I was finally told by XXXX XXXX that they actually do not use CashApp as a form of payment. I have reached out to CashApp on several times I have provided Screenshots of the information I am receiving from XXXX that shows that the account is not active. I have requested a refund of the service. I have talked to several representatives when CashApp answers the phone. It states that the call is being recorded for quality assurance purposes when I said that I would also be Recording the call. The representative always hangs up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: MO

Complaint narrative:
I have been on SS XXXX since XXXX. About XXXX XXXX XXXX a car I previously owned needed repairs and the estimates were way more than the cost of the car itself. Considering how things played out, I should have just fixed it. I was desperate and naive so I went XXXX XXXX Time to inquire about a vehicle I was interested in, but they only showed me XXXX cars that I was qualified for. XXXX was a beat up XXXX XXXX and the other was a XXXX XXXX XXXX, which I chose. Within the first month I had to make a claim because the engine needed repairs. While taking a closer look, the mechanic noticed a serial number written on the underside of the engine. He informed that the engine was from a junkyard. He was able to fix it, so I just let it go. I had small issues the entire time I had the car, but nothing of major concern. XXXX XXXX XXXX I was having financial difficulties, which was common for me because my monthly expenses with the car exceeded what I had coming in. I spoke with Bridgecrest about hardship program and their idea of helping me was to tack on missed payments therefore extending the loan. I don't think I ever paid on the principal. So, after paying {$500.00} a month for XXXX years to Bridgecrest, my car was repossessed, wrote off, then sold at auction and they wanted {$6000.00}. I am so depressed. I paid roughly {$34000.00} on the car over the course of the loan. I could've bought a brand new SUV with no monthly financing. and after paying that much in, I no longer have a vehicle which makes it very difficult to get to appointments, meds, my kids to school, groceries etc. I received a call a few days ago from Bridgecrest and the debt collector said I now owe {$12000.00}. I feel defeated and I want to crawl in a hole somewhere. I have been searching for car donations, free auto loan programs, low income non elderly XXXX assistance with not much luck. I am reaching out to the CFPB because I have been bullied throughout this entire situation and they took so much money from me and are trying for more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On Tuesday I decided to start using Venmo and they asked for me to verify my account they said i could use a birth certificate so i did everything was fine they said it was verified then i finally added money XXXX $ never made a purchase yet other then sending a dollar to a family member and buying stocks off Venmo a day later they say my account is suspended im confused there is nothing i did to make it suspended i talked to them and said it would take 10-15 buisness days which is not going to work because i was supposed to pay my phone bill that day they said it can not withdraw send or use the money until i verify im who i say i am

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX is illegally reporting NEGATIVE information regarding this account on my Experian and XXXX XXXX credit reports in clear violation of FCRA 623 ( a ) ( 7 ). 
I received no written notification from XXXX XXXX XXXX yet the following late payments wrongfully appear on my credit reports. 
Re : XXXX XXXX # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  30 Days Late. 30 Days Late XX/XX/XXXXXXXX XXXX XXXX XXXX  30 Days Late 30 Days Late FCRA 623 ( a ) ( 7 ) clearly states the Financial Institutions such as XXXX XXXX XXXX MUST notify consumers ( ME ) when Financial Institutions furnish or have furnished such NEGATIVE information such as multiple late payments, delinquencies or any form of default .The consumer MUST be sent written notification when they furnish or have furnished NEGATIVE information. 
I received no such NOTICE and demand all lates payments regarding this account be removed immediately from my credit file.

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