vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-12 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company 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 2025-10-12 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 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: CO

Complaint narrative:
I am in the process of getting an auto loan and called XXXX XXXX about a card I never received. I explained to them that I have had multiple accounts created with them unknown to me and this was one I applied for, however I never received it in the mail. I talked to them over the phone and explained this to them in XX/XX/year> this was an ongoing issue for years and I have no access to any accounts through them and haven't for over 5 years. I called back to dispute the charges XX/XX/year> as I had just discovered the account charges. I fully explained this to their dispute team. I also informed them that this is a part of an ongoing investigation through my local authorities, the FBI IC3, and the SSA. I have an appointment with the SSA on XX/XX/year> and I requested the identity theft paperwork. I also expressed my concern about this being reported to the credit bureaus. They assured me they would mark it as fraud and not include it on my credit report. I just got an email from them expressing that I have financial options to pay off this debt and it is still being reported to the credit agencies. I also never got my identity theft packet, just a bill. I need that for the SSA. I also want them to block this from my credit report as it is not my debt.

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 2025-10-12 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company 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 2025-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
Last year I made over {$100000.00} in credit card payments. How many minimum payments did i make and how much total debt was paid with all total payments?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This report serves as a formal complaint and request under the Fair Credit Reporting Act ( FCRA ) to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). XXXX XXXX XXXX has identified inaccurate and unauthorized accounts and inquiries appearing on her XXXX  credit report. This includes items resulting from a data breach that exposed her personal and financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: MI

Complaint narrative:
I am writing to formally dispute and demand the removal of inaccurate and outdated personal identifying information currently listed on my credit report. 
The only accurate and verified identifying information that should remain on my credit file is : Legal Name : XXXX XXXX Current Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Any other names, aliases, addresses, or employment information listed on my file are inaccurate, obsolete, or unverifiable and must be permanently deleted. 
This includes, but is not limited to : All prior name variations including XXXX XXXX, XXXX XXXX XXXX, or any misspellings. 
Any past addresses other than XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. 
All outdated or incorrect employment identifiers previously reported ( e.g., XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, etc. ) which are no longer valid or verified. 
These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ) : FCRA 602 ( a ) failure to ensure fair and accurate credit reporting.

FCRA 607 ( b ) duty to assure maximum possible accuracy of the information.

FCRA 611 ( a ) obligation to reinvestigate disputed information.

Knowingly maintaining or failing to correct inaccurate personal information is also subject to civil liability under : 15 U.S.C. 1681n willful noncompliance.

15 U.S.C. 1681o negligent noncompliance.

I am demanding the immediate deletion of all inaccurate personal identifiers and confirmation in writing that these corrections have been made.

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 2025-10-12 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:
A fair resolution would be for Equifax to : Conduct a full reinvestigation of the XXXX XXXX XXXX XXXX XXXX account ( # XXXX ) directly with the furnisher to verify the accuracy of the reported payment history. 

Remove or correct the inaccurate late payment entries showing Not more than two payments past due, since payment records confirm all payments were made on time.

Update the account status to reflect Paid or Paying as Agreed Never Late ( PAANL ) consistently with verified payment data.

Provide written confirmation that the reinvestigation has been completed and that the inaccurate information has been corrected.

Ensure compliance with the Fair Credit Reporting Act ( FCRA ) by maintaining accurate and verified data, as required under 15 U.S.C. 1681e ( b ) and 1681i ( a ).

Prevent reinsertion of the incorrect late payment information without proper certification from the furnisher, as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Send a corrected copy of my Equifax credit report showing the accurate, verified payment history for this account.

These actions would ensure fair resolution, restore the accuracy of my credit report, and prevent further negative impact on my credit standing caused by the erroneous late payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 

Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: CA

Complaint narrative:
XXXX  at XXXX amount of {$80.00}. I sent money to a account that I thought was my boyfriend and was not aware that it does not exist. Cash app did not earn me nor reject that payment. Now on my boyfriend side he types it in and it says does not exist. So how are they not refunding me that money if they allowed a payment to go through if it does not exist. That is Friday cause they are saying they can't help me and they say there is no way to get into the account when he calls it talks to them. The reason for this is cause the account does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opened a Chase Business Checking account on XX/XX/year> using an offer code for a bonus up to {$500.00}. In order to receive the {$500.00} bonus, I would need to deposit {$10000.00} in new money within 30 days of offer enrollment and maintain that balance for 60 days from offer enrollment. As my account was opened on XX/XX/XXXX and my offer enrollment was XX/XX/XXXX, then 30 days would be XX/XX/XXXX, and 60 days would be XX/XX/XXXX. 

From my attachments, it can be seen that I maintained a {$10000.00} balance from XX/XX/XXXX- XX/XX/XXXX with my balance decreasing below {$10000.00} on XX/XX/XXXX. Additionally, on my Chase mobile app, the bonus tracker continually indicated that I needed to maintain the {$10000.00} balance through XX/XX/XXXX ( an attachment clearly shows that ). 

Despite this, I was only given the lower tiered {$200.00} bonus for maintaining a {$2000.00} balance which surprised me. I called Chase in XXXX. The first person I spoke with said I didn't qualify. I asked to speak to someone else. The second person said it was a mistake, and he put a resolution ticket in for me. After I didn't hear back for over a week, I called back, and I was told again I didn't qualify with no reason given. I was told someone would call me within days to give the update and reason, and that never happened. That's why I'm escalating this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SECURITY FINANCE CORP
State: GA

Complaint narrative:
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 

Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: IN

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-12 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company 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 2025-10-12 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: IL

Complaint narrative:
I filed a police report - XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ) I had XXXX accounts with XXXX XXXX XXXX  both were paid FULL  before I sold the XXXX XX/XX/year>. There is a new account that was billed in XX/XX/year> in my name that was not opened by me and does not belong to me. The police report includes photos and records of previous bills in my name prior to selling the home and that they were paid in FULL and closed. The account in claim does not belong to me and the collection agency should work with XXXX XXXX XXXX to bill whoever opened this account in my name AFTER the property was sold.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation