vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: IN

Complaint narrative:
On XX/XX/year>, I sent Experian a formal dispute and debt validation request via certified mail concerning two accounts that appear to be duplicate collections. These accounts involve the same alleged debts being reported under different collection agency names to different credit bureaus. Specifically : XXXX XXXX : Reported by both XXXX on Experian and XXXX on XXXX both with a balance of {$5000.00} XXXX XXXX XXXX : Reported by both XXXX XXXX XXXX on Experian and XXXX XXXX on XXXX  both with a balance of {$2600.00} This creates the false impression that I owe twice the actual amount, and is a clear violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681e ( b ) failure to maintain maximum possible accuracy 15 U.S.C. 1681i failure to reasonably reinvestigate disputed information 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) furnishing inaccurate information after dispute On XX/XX/year>, I received a reply from Experian refusing to honor the mailed dispute, stating it couldnt be confirmed as sent by me, even though it contained full identifying information. I was then forced to submit the same dispute online that same day. 

On XX/XX/year>, Experian marked the account as verified without providing any documentation, validation, or results in response to the very specific validation request I made. 

I requested Experian to provide : Chain of title Proof of legal ownership of the debt Original contract/agreement Proof only one party can legally report None of that was provided. 

As a result, I have no choice but to pursue arbitration under Experians binding arbitration clause. I am filing this CFPB complaint to document my good faith efforts to resolve the matter, and to request your intervention to investigate this pattern of noncompliance with consumer rights and reporting obligations.

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 2025-08-05 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:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
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 2025-08-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Rent Recovery Solutions
State: IL

Complaint narrative:
Id like them to validate the debt, I havent received mail nor have I received written notice that they were attempting to collect a debt. Again I dont believe I owe a debt to a company I have never done business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: MS

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-08-04 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: MS

Complaint narrative:
Subject : Unauthorized Cash App Account in XXXX  Childs Name I am filing this complaint against Cash App ( Square , Inc. ) for refusing to close an unauthorized account created in my XXXX sons name. 

I did not authorize the creation of this account. The person who opened it has blocked me on XXXX, preventing any direct resolution. My son is a XXXX  and, by law, can not legally consent to or open financial accounts such as Cash App. 

Despite multiple attempts to contact Cash App to close and disable the account, they have failed to take action. This is a serious issue involving identity theft, privacy violations, and failure to properly verify account holders. 

Requested Resolution : 1. Close and permanently disable the unauthorized Cash App account created in my XXXX  sons name. Also there was money left on it.

2. Provide written confirmation that no transactions or obligations remain tied to my sons name or information.

3. Review and strengthen Cash Apps verification process to prevent accounts from being fraudulently opened in XXXX names. 

Consumer Information : Parent/Guardian Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This complaint involves unauthorized financial activity and identity misuse of a XXXX I request the CFPB investigate Cash Apps refusal to take corrective action and ensure compliance with consumer protection laws. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: TX

Complaint narrative:
A late payment has been recorded in error, which misrepresents my creditworthiness. I urge swift resolution of this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am a victim of identity theft. Certain fraudulent accounts appeared on my Experian credit report. I disputed these accounts, and they were deleted ; however, they have since reappeared or similar fraudulent accounts have been reported again. 

Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), once a consumer provides an Identity Theft Report, the credit reporting agency must block the fraudulent information within four ( 4 ) business days and ensure it is permanently excluded from the consumers credit file.

Additionally, under Section 611 ( 15 U.S.C. 1681i ( a ) ( 5 ) ), if previously deleted information is reinserted, the agency must provide written notice to the consumer before reinsertion and certify accuracy with the furnisher.

Experian has failed to permanently block these fraudulent accounts and/or has reinserted them without following the required legal procedures. This is a violation of my rights under the FCRA.

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 2025-08-05 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I am a victim of identity theft. Certain fraudulent accounts appeared on my Experian credit report. I disputed these accounts, and they were deleted ; however, they have since reappeared or similar fraudulent accounts have been reported again. 

Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), once a consumer provides an Identity Theft Report, the credit reporting agency must block the fraudulent information within four ( 4 ) business days and ensure it is permanently excluded from the consumers credit file.

Additionally, under Section 611 ( 15 U.S.C. 1681i ( a ) ( 5 ) ), if previously deleted information is reinserted, the agency must provide written notice to the consumer before reinsertion and certify accuracy with the furnisher.

Experian has failed to permanently block these fraudulent accounts and/or has reinserted them without following the required legal procedures. This is a violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Subject : Urgent Fraud Dispute and Credit Correction Request Ongoing Legal Case Dear XXXX Customer Support, I am writing to formally dispute fraudulent activity on my credit report and request an urgent review and correction. 

I have been a victim of identity theft and financial fraud by a former domestic partner, XXXX XXXX XXXX, who has opened unauthorized accounts in my name, including American Express, payday loans, and credit cards. This fraudulent activity dates back to 2016 and has significantly damaged my credit history. 

I am currently pursuing legal action. The case is active under XXXX XXXX. XXXX in the XXXX XXXX XXXX. 

Despite this, I have maintained good financial standing on legitimate accounts. I have paid off five auto loans in full and had a 22-year mortgage with XXXX, which I also paid off in good faith. These positive credit behaviors are not fully reflected in my XXXX report, although they appear more accurately in my XXXX  and XXXX  reports. My XXXX XXXX with XXXX  appears disproportionately low in comparison. 

I respectfully request the following : A full investigation into all fraudulent accounts tied to XXXX XXXX XXXX. 

Immediate removal or correction of any accounts or inquiries proven to be fraudulent. 

Reassessment of my credit score to accurately reflect my verified, positive credit history.

Please advise on the steps I need to take to provide any additional documentation or evidence you may require. I am prepared to submit the police report, court documents, or any supporting records.

Thank you for your immediate attention to this matter.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: MD

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 XXXX 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 2025-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-08-04 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: VA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A fake debt collector obtained my information by Wells Fargos saying i owed a 2009 debt. Wells fargo negligence in having their data breached allowed the fake debt collector to send me valid proof of my ss acct # dob. I learned they were not a real debt collection. While conducting my investigation wells fargo sent me my 2009 statement for me to double check. My credit report shows a charged off balance with ews. Wells Fargo send me proof that the account had a 0 balance when closed as I have sent evidence to you attached.

In conclusion 2 negligent acts by wells fargo.

1. Let my personal information to be breached and have fake collections company send me emails to pay.

2. Inaccurate information by wells fargo to credit bureaus and ews of an account that had a XXXX balance Wells fargo has a atrocious history of breaching clients data and having their own employees open fake accounts. Photo attached of account ending in XXXX with XXXX balance and fake collections company with all my identity information that is wells fargo negligence.

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 2025-08-04 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There was a big mistake made on credit report about something that was taken out by mistake and that I called over XXXX times to get to get resolved and never seem to be able to no matter who I had help me. All I want is the mistake to be reversed this is really stressing me out I care about 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 2025-08-05 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: ProCollect, Inc.
State: TX

Complaint narrative:
I am the victim of identity theft. A collection account from ProCollect for {$240.00} has appeared on my credit report, and I did not authorize, open, or benefit from this debt. I have never done business with this company. Ive provided documentation, including a police report/FTC identity theft affidavit, but the account is still reporting. This is a violation of the FCRA and FDCPA. I am requesting immediate deletion of this fraudulent account and that all collection activity be stopped. Please investigate and take appropriate action.

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 2025-08-05 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: MD

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXXXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief