vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX  - XX/XX/XXXX - {$1000.00} XXXX XXXX - XX/XX/XXXX - {$540.00} XXXX - XX/XX/XXXX - {$3300.00} XXXX XXXX - XX/XX/XXXX - {$7500.00} XXXX - XX/XX/XXXX - {$520.00} XXXX  XXXX XXXX  - XX/XX/XXXX - {$1000.00} XXXX XXXX  - XX/XX/XXXX - {$6000.00} XXXX Inquiries : XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/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 2025-11-19 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:
I am a consumer attempting to address inaccuracies on my credit report, and I am requesting an investigation into the following disputed items. 

CHARGED OFF ( There are no charged off items to dispute on Equifax. ) INQUIRIES XXXX, XX/XX/year> XXXX, XX/XX/year> POSITIVE ACCOUNTS ( There are no positive accounts to dispute. ) LATE PAYMENTS XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within XXXX  days of receiving the dispute. 

It has been over XXXX  days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with XXXX  XXXX. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-11-19 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: TN

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: OK

Complaint narrative:
I am disputing this account because XXXX  XXXX XXXX does not have my authorization to furnish or report this information to Equifax. Under the Fair Credit Reporting Act, 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report when there is a permissible purpose and with the consumers authorization. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ), a furnisher may not report any information without a lawful and documented basis.

I am requesting that Equifax verify : 1. The original written authorization permitting XXXX  XXXX XXXX to access or use my consumer report ; 2. The specific documentation granting permission to furnish or report this account ; 3. The original application or agreement that contains this authorization ; 4. The method of verification used by Equifax in reporting this account.

If Equifax or the furnisher can not produce documented proof of consumer authorization, the account is unverifiable and must be deleted under FCRA 1681i ( a ) ( 5 ) ( A ). 

Please conduct a full reinvestigation and remove this account unless the required documentation exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: NC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, This letter serves as my third formal dispute concerning the continued and unlawful reporting of a charged-off auto loan account from XXXX XXXX XXXX XXXX XXXX XXXX ). I am outraged that after mailing two certified dispute letters both of which included government-issued ID, Social Security verification , and proof of address I continue to receive the same evasive and irrelevant responses from your office. You are now requesting redundant identity documents while failing to address the actual basis of the dispute : the account is being reported inaccurately, and Equifax is violating federal law.

Despite receiving my documents and dispute under 15 U.S.C. 1681i ( a ), Equifax has chosen to delay the investigation, issue frivolous responses, and continue the reporting of a charged-off account with no written consent or signature from me. I have never authorized XXXX XXXX XXXX to access or furnish my personal information, nor have I received any original signed agreement validating this account. 
Furthermore, if an account is previously deleted or suppressed and then reinserted without proper certification and written notice within 5 business days, that constitutes a direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ). I demand to know if the auto account was reinserted at any point, and if so, provide immediate documentation validating your compliance with this law.

Additionally, per 15 U.S.C. 1681e ( b ), credit bureaus are required to maintain the maximum possible accuracy of information. Continuing to report a charge-off account that can not be verified with a signed contract or validation from the original creditor is unacceptable and in direct violation of this statute. 
Let it be known : I never gave Equifax  or XXXX written permission to furnish or obtain any data on me. This is a direct violation of FCRA 604 and 611. I am prepared to escalate this to the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, and pursue civil legal action for willful noncompliance under 616 and 617 of the FCRA if this account is not removed.

As per 15 U.S.C. 1681i ( a ) ( 7 ), I am also demanding a full description of the procedure used to determine the accuracy of the information reported. Provide this method of verification in writing immediately.

You are hereby placed on notice. Delete the unverified charge-off account from my credit report and provide confirmation in writing. I will allow 7 days from the receipt of this notice before filing an additional complaint and exploring legal remedies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
I am disputing the following accounts on my TransUnion credit report. These entries contain inaccuracies, and I request they be investigated and corrected according to the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX XXXX XXXX XX/XX/XXXX, {$1200.00} XXXX, XXXX, XX/XX/XXXX, {$8300.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$4600.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$400.00} XXXX, XXXX, XX/XX/XXXX, {$1700.00} Inquiries XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-11-19 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: CA

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 non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: MoneyLion Inc.
State: NY

Complaint narrative:
On XX/XX/2025 MoneyLion LLC withdrew {$55.00} from my bank account, as soon as I had deposited the money from my Cash Assistance card. When I called MoneyLion, they were very smug and said that there is nothing they can do and they would not be giving me a refund for the money they predatorily withdrew from my debit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX. Validate Account XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Validate Account XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Validate Account XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Validate Account XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Validate Account XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Portfolio Recovery is violating my consumer rights.The collection agency has not provided debt validation in accordance with 12 Cfr 1006.34 ( b ) ( 5 ) .. But proceeded to put a collection on my consumer credit report.I have not been given a chance to dispute account in accordance with 12 Cfr 1096.34 ( c ) ( 4 ) ( I ) .Colkection agency is viokating my consumer rights by providing false, misleading, misrepresentation and deceptive means.Collection agency has no authirity to furnish any accounts to consumer reporting agency without providing any and all disclosures by Law and are in clear violation of 12 Cfr 1006.34 ( d ). and15 USC 1681-S2 ( 7 ) ( A ) XXXX am revoking all rights of communications with me by emails, calls and chats.I am requesting a debt purchase agreement between debt collector and the iriginal debtor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I am due a refund of {$600.00} from Affirm that I havent received and its been nearly 2 months. I have the original receipt from XXXX dated XX/XX/year> issuing the refund. Affirm emailed me on XX/XX/year> to confirm a check would be mailed to me within 30 days. Its now close to 60 days and no check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: VA

Complaint narrative:
On XX/XX/year>, I paid XXXX XXXX XXXX {$780.00} using my Citi credit card ( {$750.00} rebuild + {$30.00} credit card surcharge ) to rebuild a XXXX diesel injection pump. After reinstalling the pump, the engine ran poorly and was difficult to start. My co-owner, XXXX XXXX, made multiple attempts to contact the merchant for correction, but the merchant became unresponsive after XX/XX/year>. 

I submitted a dispute to Citi and provided detailed evidence, including the original invoice, text logs, call logs, and a diagnostic report from XXXX XXXX showing the pump was rebuilt incorrectly ( pressure regulator assembled wrong, advance mechanism improperly shimmed, no pressure, etc. ). 

Citi mishandled the dispute by placing it in the wrong category. Due to unclear wording on Citis web form, I selected No Attempt for whether I requested a refund, because the merchant was already unresponsive. Citi interpreted this as if I made no attempt to contact the merchant at all, which is incorrect. 

Because of this misclassification, Citi requested irrelevant cancellation documentation, even though my dispute involved defective service, not a refund request or cancellation. Citi then denied the dispute with a generic statement claiming no billing error identified, without addressing any of the evidence I provided. 

The merchants work was defective, I attempted to resolve it, and I supplied multiple forms of evidence. Citi failed to review the evidence, placed the dispute in the wrong category, and denied it improperly. My Citi card of 20 years was also closed during this process, which prevented meaningful escalation.

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 monetary relief
Consumer complaint received 2025-11-19 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following charged-off accounts on my TransUnion credit report. The accounts listed below are inaccurately reported as charged off or settled. I request that these accounts be thoroughly investigated, and the inaccuracies be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4600.00} XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/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 non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cash app has many accounts in my name and I am unable to access these accounts because I do not have any of the linking phones because they're either stolen or broken screens. And cash app won't unlock the account to order a new card to download to my digital wallet for access

Company response to consumer: Closed with explanation