vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-21 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 submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the Equifax data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 
XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 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: OH

Complaint narrative:
happen to look at my credit report and notice i had fraudulent accounts and would like them remove thank you

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 2025-12-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$390.00},

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 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: GA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$390.00},

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 2025-12-21 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Product : Credit card Company : Bloomingdales / Citibank Retail Services ( or Citi Retail Services, depending on dropdown ) Issue : Trouble using my credit card / Account access and management Sub-issue : Account incorrectly flagged/ Orders canceled / Unable to obtain explanation I have been a Bloomingdales credit card holder and Loyalist customer since 2007. For several months, Bloomingdales has been repeatedly canceling my online and in-store orders with the explanation that certain information on my account can not be verified.

Despite countless hours spent on the phone with Bloomingdales Customer

Service, Consumer Protection, and Credit Servicesoften 23 hours per callno one has been able to identify what information is allegedly unverified or explain why this issue continues to occur. I have been repeatedly instructed to place orders in-store as a workaround ; however, even orders placed at the store level have been canceled. On a few occasions, phone representatives were able to temporarily assist me in placing orders, but the problem is not resolved permanently. Some orders go through, while others are canceled under the same account details, with no explanation for the inconsistency.

I have been told multiple times that I would receive written communicationby email or mailexplaining the verification issue. No such communication has ever been sent. To date, no representative has been able to clearly identify : What specific information is unverified Why some orders are approved while others are canceled What steps are required to permanently resolve the issue As a long-standing cardholder in good standing, this lack of transparency and inability to access my credit account is unacceptable. I am effectively unable to use my Bloomingdales credit card reliably, despite having valid account information and no known issues with my 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 2025-12-21 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: TN

Complaint narrative:
What happened? 
I am disputing inaccurate and unverifiable credit reporting by Experian and TransUnion involving multiple accounts and inquiries. 
A business credit card account ( XXXX CARD ) is being reported as XXXX  days past due, even though the payment history for the same account is shown as No Info, Unknown, or Data Unavailable for the relevant months. The report also reflects XXXX instances of XXXX late payments while simultaneously assigning a worst payment status of XXXX days late. These entries are internally contradictory and factually impossible. An account can not be reported as delinquent when payment data is unavailable or missing. 
Despite these contradictions, the credit reporting agencies continue to report a past-due balance and delinquency without providing verifiable documentation such as a valid billing statement, due date, or complete payment ledger. This indicates a failure to ensure accuracy and a failure to conduct a reasonable reinvestigation. 
Additionally, TransUnion is reporting an auto loan ( XXXX XXXX ) that does not belong to me. I have no contractual relationship with this lender, yet the account remains on my credit file. 
TransUnion is also reporting multiple hard inquiries that were not authorized by me, including inquiries from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX  XXXX. These inquiries were made without my permission and should not be on my credit report. 
I disputed these items directly with the credit reporting agencies and clearly identified the inaccuracies and identity-related errors. Despite my disputes, the information has continued to be reported without correction or deletion. 
As a result of these issues, my credit profile has been harmed, my credit utilization has been artificially inflated, and I have been subjected to negative credit decisions and adverse terms. 
I am requesting that the CFPB require Experian and TransUnion to : Delete the inaccurate and unverifiable delinquency related to the business credit card Remove the auto loan that does not belong to me Delete all unauthorized hard inquiries Provide written confirmation of the corrections

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 2025-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am filing this complaint regarding unlawful credit reporting by Portfolio Recovery Associates involving illegal re-aging and reinsertion of XXXX disputed collection accounts These accounts were previously disputed and either removed or suppressed from my credit report. After that dispute, Portfolio Recovery Associates reinserted and/or re-aged the account, causing it to appear newer than it actually is. 

The Date of First Delinquency and/or Date Opened changed between prior and current credit reports, and monthly collection indicators restarted after the dispute. These actions artificially extend the reporting period and are prohibited under the Fair Credit Reporting Act. 

I was not provided written notice of reinsertion within XXXX business days, nor was I provided certification that the information was accurate prior to reinsertion, as required by 15 U.S.C. 1681i ( a ) ( 5 ).

Despite disputes, Portfolio Recovery Associates continues to furnish this inaccurate and unlawfully re-aged information, causing ongoing harm to my credit profile and tenant screening reports. 

I am requesting that this accounts be immediately deleted from all consumer reporting agencies and that Portfolio Recovery Associates cease furnishing inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
I am filing this complaint due to XXXX failure to properly secure and close a PayPal account that was repeatedly hacked, resulting in ongoing unauthorized charges to my PayPal Credit account. 

Despite notifying PayPal immediately of the unauthorized access in XXXX and being told that my compromised account would be closed, PayPal failed to do so. Months later, unauthorized charges are still being posted to my PayPal Credit account, and I remain locked out of the original PayPal account and unable to review or dispute the transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: IL

Complaint narrative:
NetSpend is telling me I have to wait for my social security retirement payment until XXXX this payment was seat out XXXX via social security & US treasury to my NetSpend debit card I spoke with NetSpend service person they were no help & lie when I ask to speak to a supervisor social security administration state in a recorded call my funds were disbursed on XXXX that exactly what it shows in my social security portal account why is NetSpend holding my money I've had nothing but trouble using there card for a year and there service department is very highly misleading I need my money for my rent & bill & to pay for medicine can I file a police report as well thank u most kindly & even when there card is locked a company can get money from the card they need to discontinue NetSpend debit cards

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 2025-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital one provided a loan for XXXX on XXXX XXXX, term was 72 months.Monthly payment was {$390.00}. Total principal paid was {$10000.00}, total interest paid was {$7300.00}. Vehicle type XXXX XXXX XXXX. XXXXXXXX XXXX XXXX. I lost my job, and could not afford make some payments so Capital one repo the vehicle I don't know the exact month they repo it but they did. Capital one. is saying that I still owe them {$7300.00} XXXX disagree with this amount because they I didn't receive any communication from then stating how much they sold the vehicle for. And I would like to know that information. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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

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 2025-12-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: MI

Complaint narrative:
To XXXX, I am responding to your notice stating that your investigation into my dispute has been completed. Your response does not specify which action was taken, nor does it provide evidence that the disputed information was lawfully verified in compliance with the Fair Credit Reporting Act. 

This dispute was submitted pursuant to FCRA 605B, which requires consumer reporting agencies to block the reporting of information resulting from identity theft or unauthorized use of personal data within four ( 4 ) business days of receipt of valid documentation. 

My personal and financial information was compromised in a data breach involving my educational records, constituting violations of FERPA and Title IV protections. As such, the continued reporting of this account lacks lawful authorization and permissible purpose. 

If XXXX  contends that the information will remain on my credit report, I hereby formally request : 1. The specific method of verification used, as required under FCRA 611 ( a ) ( 7 ) 2. The name, address, and contact information of the party who verified the information 3. Documentary proof of a permissible purpose to furnish and report this data 4. Confirmation that a 605B block determination was properly conducted Failure to comply will result in escalation to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney General. 

Please respond in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-12-21 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: MD

Complaint narrative:
A collection account is being reported on my TransUnion credit report for an alleged XXXX XXXX obligation. The account is inaccurately labeled as Collection/Charge-off, which is improper for an insurance-related debt. The account lacks required reporting elements, including payment history, payment amount, payment terms, past-due amount, and account type, rendering the account incomplete and unverifiable. Despite this, the account is reported as derogatory and open, which misrepresents the nature and status of the alleged obligation. This violates the Fair Credit Reporting Acts accuracy and reasonable procedures requirements. I am requesting deletion of this account due to inaccurate and unverifiable reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: MD

Complaint narrative:
A collection account is being reported on my TransUnion credit report for an alleged XXXX XXXX obligation. The account is inaccurately labeled as Collection/Charge-off, which is improper for an insurance-related debt. The account lacks required reporting elements, including payment history, payment amount, payment terms, past-due amount, and account type, rendering the account incomplete and unverifiable. Despite this, the account is reported as derogatory and open, which misrepresents the nature and status of the alleged obligation. This violates the Fair Credit Reporting Acts accuracy and reasonable procedures requirements. I am requesting deletion of this account due to inaccurate and unverifiable reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A XXXXXXXX XXXX XXXX  account that had previously been disputed and deleted from my TransUnion credit report was recently reinserted. I was not provided any written notice of reinsertion as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

The reappearance of this account resulted in a significant and sudden drop in my credit score. After discovering the reinsertion, I requested written verification from TransUnion, including the method of verification, the date of verification, the source of the information, and proof that the required notice of reinsertion was sent. 

To date, no such documentation or notice has been provided. This appears to be an unlawful reinsertion of previously deleted information in violation of federal law.

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 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX XXXX XXXXXXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Inaccurate/ Account Reporting I am disputing the accuracy and completeness of this account currently appearing on my credit report, While this account is reported by your bureau, it is not reported by Experian, raising concerns regarding the completeness, accuracy, and verifiability of this account data. Under the Fair Credit Reporting Act ( 15 U.S.C. 81681e ( b ) and 81681i ), consumer reporting agencies are required to maintain maximum possible accuracy and to delete information that can not be verified. 
Please conduct a full reinvestigation and provide documentation supporting this reporting, including verification from the original court source. If this information can not be fully verified, please delete it from my credit file. Additionally, please confirm the source of this public record and the method used to verify its accuracy. 


Public Record from a XXXX  XXXX bankruptcy discharged on XX/XX/XXXX. 
I previously disputed this public record stating : " I dont recognize this public record. Please provide proof from the court of this public record. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and verification of this record from the court, or delete this public record. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 81681e ( b ) and 81681i ), consumer reporting agencies are required to maintain maximum possible accuracy and to delete information that can not be verified. 
Please conduct a full reinvestigation and provide documentation supporting this reporting, including verification from the original court source. If this information can not be fully verified, please delete it from my credit file. Additionally, please confirm the source of this public record and the method used to verify its accuracy

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