vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX, I sent Portfolio Recovery Associates a debt validation request and cease & desist under the FDCPA. On that very same day, instead of validating the debt or ceasing collection, Portfolio Recovery immediately furnished the account to all three credit bureaus for the first time. 

This reporting was inaccurate and inconsistent across bureaus : XXXX  shows it as a collection account, XXXX  lists it under XXXX XXXX, and XXXX  shows it as a factoring company account. They also reported contradictory dates, including a Date Opened of XX/XX/XXXX but a Date of First Delinquency of XX/XX/XXXX, which is impossible. 

This conduct violates the FDCPA ( continuing collection after a cease & desist, and reporting without validation ) and the FCRA ( furnishing false and inconsistent information ). The fact that reporting began on the very day I exercised my rights demonstrates willful retaliation. 

I request the CFPB require immediate deletion of this tradeline from all bureaus and hold Portfolio Recovery accountable for these willful violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-04 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:
I am not connected to these accounts and request their removal within 15 days, as per USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
In XXXX of 2025, just XXXX  days ago, I realized that I was still having an ongoing issue with identity theft. My information was included in the Equifax data breach as well as several other instances exposing large amounts of personally identifiable information, including my social driver 's license address date of birth phone number email etc. So I filed a dispute with Transunion after acquiring my FTC ID Theft Report, XXXX Police Report outlining all the fraudulent accounts and a brief synopsis of the events along with a signed affidavit under the penalty of perjury plus identification documents. I was careful to make sure I made it clear the accounts to be included and subsequently removed ( that I could see thus far- all of which were included on the police report and FTC report AND affidavit ). 48 hours later, all of the information included on my report that was part of identity theft had been removed. About three weeks later, conveniently when it was time to report again, I noticed that several items had been reinserted back onto my credit report without any notification from the company whatsoever. When I requested documentation on how they came to these findings along with how they determined that what they received from these entities/creditors were compelling and accurate enough to somehow could top an affidavit of fact, a police report, and an FTC report . XXXX  Them removing the inaccurate information, waiting three weeks, and reinserting only showed me that obviously these companies didn't update the spreadsheet before they kicked their monthly accounts through E-Oscar. They just tucked the inaccurate and fraudulent data back onto my report like it was just the thing to do. I called several times and of course nobody could tell me why and of course nobody knew a whole lot of anything. Just a lot of passing the buck. I was then told to wait 30 days so it could finish being investigated. When I told them that they by law only had four days to handle the situation I was met with scoffs and told that was inaccurate and if I had a problem I could take it up with the CFPB. I asked for management and was refused. I still to this day have never received any verification from these people. Despite numerous attempts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have no association with these accounts ; please remove them within 15 days per USC 1681g.

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 2025-09-04 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
They violated my rights as a consumer under 15 USC 1681B. I need these items blocked and removed from my credit report. 

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 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 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 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

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 2025-09-04 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : XXXX XXXX # XXXX -Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My phone and wallet were stolen at the airport and my card was used without my consent or authorization. Most of the charges were for XXXX XXXX XXXX with my phone along with XXXX ATM transactions. I was wearing my apple watch and when my phone was taken the watch, being close by, unlocked my phone. My PIN was written in the notes app in my phone, that is where the thief must have seen it and used for the withdrawals. The first unauthorized transaction happened on Thursday XX/XX/XXXX and I reported to Wells Fargo when I got access to a phone, on Monday XX/XX/XXXX at XXXX AM PST. I reported fraud and asked for a new card. On the XXXX business day after the claim was filed wells Fargo randomly sent me a message online stating they had " done an investigation and found no error had occurred '' I called them to ask for more information and the person I spoke to said that he can see that based on the information available to them they determined someone I authorized had used the account so my claim is denied. I asked how they made this determination and was told they can't tell me why. I asked MULTIPLE times for how they came to this conclusion and the agent said he can't tell me but he kept asking me if I had wrote my pin down somewhere. I explained that my pin was written INSIDE the notes app in my phone and how the thief can unlock my phone without passcode when I am wearing my apple watch. I was asked this question multiple times and then was told they can not mail me the documents or do anything further. His exact words were " we can't give you that '' I let him know that under XXXX XXXX he can not refuse to provide me documentation nor can he deny my claim based on me saying my pin was written inside my phone as they still have a liability to protect me since I reported in the window specified. He then changed his tone and said he will process documentation and was going to hang up, I asked how long till I get them, he said XXXX calendar days. I told him this was unacceptable and they are trying to prevent me from appealing their claim. I asked to speak with a supervisor. He transferred me to XXXX who told me that the request for documentation was put in and I will get them in XXXX business days. I told him this as well is unacceptable and was different information from his colleague, and was not in a timely manner at all. I told him if I do not get the documents in XXXX  days, which I think is a fair amount of time especially when they refused to give me any information at all, that I will file a claim with the CFPB. The agent then told me he's done here and hung up. The bank in question is Wells Fargo Bank, clear access checking account.

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 2025-09-04 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-04 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: LA

Complaint narrative:
On XX/XX/year>. {$100.00} was sent to my cash account. In order to transfer funds XXXX XXXX  request you verify your identity. After several images of my State Id and selfie they captured, they are saying my identification doesn't match. I asked if there are other ways to verify and was told sorry for the inconvenience but that is the only way. My money is just sitting there and can't be moved at all. I asked to possibly upload no luck there either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: GA

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 2025-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/2025, Ally Financial repossessed my vehicle ( XXXX XXXX, XXXX ending in XXXX ) without providing any prior written notice, right to cure, or lawful opportunity to remedy the account. I never received a repossession warning or red flag. Instead, I was sent only a routine monthly invoice showing the additional amount due for the missed monthnothing indicating repossession was imminent. 

At the time, the alleged balance was approximately {$3000.00}, while the vehicles fair market value was around {$40000.00}. I had invested heavily into the cars upkeep, including brand new tires and top-quality oil. This was not a neglected vehicle it was well-maintained and critical to my work and family responsibilities. The repossession was wrongful, disproportionate, and carried out in bad faith. 

For nearly XXXX years, I made payments faithfully thousands of dollars earned through long hours, sweat, and sacrifice. I even acted responsibly by submitting my XXXX filing and remittance documents to Ally, showing I was taking lawful steps to manage the account. Instead of honoring or acknowledging my filings, Ally ignored them and proceeded with repossession. After all those years of effort, Ally erased my hard work, damaged my credit, and treated me as if I had abandoned the account. 

Ally also denied me access to retrieve personal property from the vehicle, causing the loss of belongings and further hardship. Despite multiple attempts to contact Ally and request information, I never received any meaningful response. Instead, I was left with a deficiency balance claim after the unlawful repossession. 

These actions have caused : Financial harm ( unlawful deficiency balance, loss of vehicle use, damage to my credit ) Emotional distress ( anxiety, stress, and betrayal after XXXX years of faithful payments ) Family disruption ( interference with dependent care and responsibilities at home ) Loss of income opportunities ( jeopardized self-employment and ability to work without a vehicle ) I request that the CFPB investigate Ally FinancialXXXX conduct for violations of consumer protection and lending laws, compel corrective action, and require full relief including restitution, correction of records, removal of all deficiency claims, and reversal of negative credit reporting tied to this unlawful repossession. 

Ally Financial repossessed my vehicle without notice, denied me access to my belongings, and then claimed I owed a deficiency balance. I worked nearly XXXX years to maintain this vehicle, and its wrongful XXXX caused financial harm, emotional distress, and loss of income. I am calling for accountability, restitution, and correction of records for this unlawful repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : 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 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 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 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 non-monetary relief
Consumer complaint received 2025-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have nothing to do with these accountsthey should be removed within XXXX  days as required by 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 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX I deposited my IRS refund check and I was told that I would have access to the money XX/XX/XXXX and on XX/XX/XXXX the bank put a hold on my account. And I have been calling and calling them and I still havent gotten a response from them. The bad part is that they didnt even tell me that they were going to put a hold on my account

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