vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
I am filing a complaint against Experian for failing to remove an address from my credit report that does not belong to me. I have never lived at this address, and I notified Experian that the information is inaccurate. Experian responded that they would not remove the address because it is tied to an account, but they did not provide any proof that I resided at this location. 
Under the Fair Credit Reporting Act FCRA 602 ( A ), 607 ( b ), and 611 ( a ) Experian is required to maintain maximum possible accuracy and conduct a reasonable reinvestigation. They did not verify the address with any documentation such as a lease, utility bill, or government-issued ID. Simply stating that an address is connected to an account is not a valid verification method under federal law. 
I am requesting that the CFPB intervene and require Experian to remove this inaccurate and unverified address from my credit file in accordance with FCRA 611 ( a ) ( 5 ) ( A ). 

Date XX/XX/year> Amount {$38000.00}

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 explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: CA

Complaint narrative:
I am the victim of identity theft. An account was fraudulently opened under my name with XXXX XXXX XXXX without my knowledge or consent ( originally on XXXX XXXX for {$250.00} and current balance of {$300.00} ). I never opened an account with XXXX, never received any services from them, and was never contacted by XXXX regarding an account in my name. I was never sent a bill, notice, or communication alerting me that an account existed or that I owed anything. 

I only discovered this issue when my credit score suddenly dropped, and I learned that XXXX had sent an alleged debt to Eastern Account System for collections. The reported dates on the account are inconsistent and impossible, including a last payment date recorded before the account was supposedly opened. I do not have an account number, billing history, or any documentation tying me to this debt because I never opened the account. 

I have filed a police report for identity theft and disputes with all three credit bureaus. I am requesting that this fraudulent account and related collection entry be removed from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
I didn't receive the dior so they fully refunded me XXXX on XX/XX/year> affirm received money and still took money in the amount of XXXX on XX/XX/year> then refunded XXXX they told me to send in proof of dior refunding and they will refund me which they didn't. I even recorded the call. I have call but it won't let me know Upload the file but I can email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am filing this complaint because my credit report contains several unauthorized and unverified hard inquiries that I did not initiate, authorize, or consent to, and which are being reported without a valid permissible purpose in violation of the Fair Credit Reporting Actspecifically 15 U.S.C. 1681b ( permissible purposes of consumer reports ), 15 U.S.C. 1681s2 ( responsibilities of furnishers ), 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ) ( prohibition on reporting inquiries for transactions not initiated by the consumer ), and 15 U.S.C. 1681n ( b ) ( liability for obtaining a consumer report under false pretenses ) and because the credit reporting agency has failed to provide proof of my signed authorization or permissible purpose despite my request for a reinvestigation as required under FCRA 611 ( 15 U.S.C. 1681i ), these unauthorized inquiries continue to harm my creditworthiness, increase my risk of identity theft, and must be removed immediately as there is no legal basis for their continued reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
The disputed information does not correspond with my true financial record. Please correct it after assessment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Sent in information from a purchase where I was sent the wrong item. They didn't investigate and just send a generated response stating they didn't receive what they asked for ( they did ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
Dear Sir/Madam, I am writing to dispute the information in my credit report regarding the following accounts that I believe to be inaccurate. The details are listed below, separated by bureau : EQUIFAX Charged Off Accounts : XXXX Account Number : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/2025 Balance : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
There are errors in my credit file, specifically false addresses that are being reported under my name. To assist with the correction, I have attached documentation confirming my true and current information. I am insisting that these incorrect addresses be removed right away so my credit report is accurate and not misleading.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OR

Complaint narrative:
I am filing this complaint because Cash App has mishandled my dispute investigation involving over XXXX unauthorized transactions made to the same merchant, XXXX XXXX which is an online sweepstakes/gambling platform that is illegal in Oregon. 

On XX/XX/year>, Cash App processed only XXXX of my disputes. Out of those, XXXX were approved totaling {$3600.00}, and XXXX were denied. However, I filed disputes for hundreds of transactions of the exact same kind, to the same merchant, with the same circumstances, and Cash App has not processed or reviewed the remaining transactions. 

I uploaded evidence for every transaction, including : Statements Screenshots of withdrawals Transaction IDs Merchant records Some dispute pages allowed me to upload the bank statement and the transaction cover file, and some only allowed the cover file. I believe this inconsistency caused wrongful denials. 

Cash App has given no explanation for why the XXXX were denied while the XXXX were approved, even though they are all identical charges to the same gambling merchant. They have not provided a reason, investigative notes, or a timeline. I also did not receive approval or denial emails for many of the transactions I submitted only the first XXXX. 

After XXXXXXXX XXXX on XX/XX/year>, Cash App stopped processing my disputes entirely. No further disputes were reviewed, and I still have around XXXX unresolved transactions that Cash App has not processed at all. 

This is unfair, inconsistent, and violates the dispute-investigation standards required under Regulation E.What I believe Cash App did wrong Failed to investigate all of my unauthorized transactions Processed only part of my dispute and ignored the rest Approved some identical transactions and denied others without reason Did not send required notices for all disputes Did not allow me to properly upload evidence on some submissions Did not explain why disputes with the same evidence were treated differently Stopped reviewing disputes without explanation Did not provide a way to appeal or escalate the denied disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I never opened this account, and its presence on my report is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Date : XX/XX/year>2025 To : LVNV Funding LLC XX/XX/XXXX XXXX XXXX, SC XXXX Re : Cease & Desist Demand ( FDCPA ) FCRA Accuracy & Reinvestigation Notice Alleged Account Number : XXXX To Whom It May Concern : I am formally notifying you to cease and desist from all communication with me regarding the above-referenced alleged account. This demand is issued pursuant to 15 U.S.C. XXXX ( c ) and all provisions within 15 U.S. CXX/XX/XXXXe XX/XX/XXXX XXXX, XX/XX/XXXXXX/XX/XXXXof the Fair Debt Collection Practices Act. 

Once written notice is provided, federal law requires you to immediately cease all communication except for the narrow exceptions specifically permitted. This includes phone calls, mailed notices, emails, text messages, or contact with any third parties. 

This notice does not constitute an admission of liability for the alleged debt. I reserve all legal rights. 



NOTICE OF FCRA REQUIREMENTS If you have furnished, are furnishing, or intend to furnish information regarding this alleged account to any consumer reporting agency, be advised : 15 U.S.C. XXXX ( b ) You must ensure that all information reported is accurate, complete, and verifiable. 

15 U.S.C. XXXX ( a ) If the account is disputed, you must : Conduct a reasonable reinvestigation, Delete any unverifiable information, Provide written notice of results, and Certify accuracy before any reinsertion. 



DEMAND You are required to : XXXX. Immediately cease all communication with me regarding this alleged account. 
XXXX. Cease all direct and indirect collection activities, including credit reporting. 
XXXX. Ensure any furnished data complies fully with FCRA XXXX ( b ) and XXXX ( a ). 

Failure to comply will result in complaints filed with the CFPB, FTC, and Florida Attorney General, and may result in civil action under the FDCPA and FCRA. 

Please govern yourselves accordingly. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: OH

Complaint narrative:
The account XXXX XXXX XXXX with Account No. XXXXXX/XX/XXXXXX/XX/XXXXis being incorrectly reported by Experian as Potentially negative, specifically showing a XXXXday late payment for XX/XX/year>2025. This information is false and inaccurate. All payments on this account have been made on time, and there has never been a XXXXday late payment or any delinquency associated with this account. 

I previously disputed this information with Experian, but they failed to correct the inaccurate reporting and did not provide any valid proof or documentation from the furnisher verifying the alleged late payment. The continued reporting of this false delinquency remains incorrect and misleading. 

This statement serves as confirmation that the reporting on this account is wrong, unverified, and does not reflect my actual payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: NY

Complaint narrative:
I am filing this formal complaint against Equifax, Experian, and TransUnion for their failure to maintain accurate credit information and conduct reasonable investigations, violating multiple sections of the Fair Credit Reporting Act ( FCRA ). The bureaus are reporting fraudulent accounts that devastate my creditworthiness. 

The specific accounts are : XXXX Charge-Off Account # XXXX - Reported with a balance of {$1800.00} across Equifax, Experian, and TransUnion. This is not my account. 

XXXX XXXX Account # XXXX - Reported with a balance of {$15000.00} on TransUnion and Equifax. This is not my account. 

These accounts are the result of either a mixed file or identity theft. The fact that they appear with different details across bureaus proves the underlying data is unreliable and the bureaus ' procedures are fundamentally broken, violating FCRA SECTION 607 ( b ). Their failure to conduct a proper reinvestigation after my disputes is a direct violation of FCRA SECTION 611. The furnishers of this information have likewise failed their duty to investigate under FCRA SECTION 623.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Misrepresentation of Authority to Collect Debt : Kimball , Tirey & St. John LLP I am filing this complaint because Kimball , Tirey & St. John LLP ( KTS ) continues to avoid confirming whether they were legally authorized by the original creditor to collect the alleged debt related to my former residence at XX/XX/1150 

I previously disputed the debt and requested documentation showingXX/XX/XXXXKTSs authority to collect, specifically, confirmation that the original creditor, XXXX XXXX, directly authorized their firm to act as a collector or his agent. 

KTS responded to my prior CFPB complaint by stating that the FDCPA does not require them to provide their contract with the creditor. However, they did not answer the actual question of whether they were ever authorized by the creditor in the first place. 

This is a legally separate issue.

Under 15 U.S.C. 1692e ( 2 ) ( A ), 1692e ( 5 ), and 1692e ( 10 ), and theXX/XX/XXXX, a debt collector may not : Misrepresent its authority to collect Attempt to collect a debt without proper authorization Omit material information about its right to collect I am not requesting a copy of their private contract. I am requesting confirmation of authorization, which is required to avoid misleading or deceptive collection activity. 

KTS continues to avoid stating : 1. Whether the original creditor hired them 2. The date they were authorized to collect 3. Who at the creditor granted that authority 4. Whether the debt was ever assigned, transferred, or placed with them for collection Their refusal to confirm or deny their legal authority constitutes misrepresentation by omission and creates the appearance that they may be collecting without valid authorization, which is prohibited by federal and California law. 

This complaint seeks a direct answer to the following : Was KTS legally authorized by XXXX XXXX to collect this debt? 
On what date did this authorization occur? 
Who at the creditor granted this authorization? 

KTS should be required to directly address their authority to collect, rather than avoiding the question by citing unrelated provisions of the FDCPA. 

I request that the CFPB review KTSs actions for potential violations of the FDCPA and XX/XX/XXXXXXXX XXXX and require a substantive response regarding their legal authority to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: GA

Complaint narrative:
The consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) XXXX by neglecting to properly verify the accuracy and completeness of the information contained in my credit file. Despite my formal request for a comprehensive reinvestigation of all reported items, the bureau has either failed to provide adequate verification or continues to report information that remains unverified. This failure constitutes a clear violation of my rights under federal law and raises significant concerns regarding the accuracy, integrity, and reliability of the information currently reflected in my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: MI

Complaint narrative:
There are numerous items on my credit reports that are inaccurate, incomplete, or unverifiable including multiple latepayment marks, charge-offs, incorrect bankruptcy indicators, unauthorized credit inquiries, auto-loan reporting errors, and improperly reported student-loan information. These items violate the consumer-reporting protections under federal law. 

Specifically : Under 15 U.S.C. XXXX ( a ), furnishers must not provide to a consumer reporting agency any information if they know or have reasonable cause to believe the information is inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. XXXX ( b ), once a furnisher receives notice of a dispute from a CRA, the furnisher must conduct a reasonable investigation, review all relevant information, report the results of the investigation to the CRA, and update or delete inaccurate information. 
XXXX XXXX XXXX XXXX The maximum accuracy requirement found at 15 U.S.C. XXXX ( b ) and reinforced by Regulation XXXX and related guidelines requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of consumer reports. 
Consumer Financial Protection Bureau XXXX XXXX standard reporting format ( the Metro 2 Format ) is widely used to standardize data fields and ensure accurate, timely updates. Though Metro 2 itself is not a statutorily enforceable standard, noncompliance may contribute to reporting that is inaccurate or misleading. 
XXXX XXXX XXXX XXXX Furthermore, under FCRA XXXX, any consumer report may only be issued for a permissible purpose. Excessive and unauthorized credit inquiries by auto lenders/dealers may violate this statutory requirement. 
Investopedia Because of these legal obligations : Multiple latepayment entries, charge-offs, and bankruptcy indicators that are erroneous or unverifiable constitute furnishing of inaccurate data under XXXX ( a ). 

Numerous hard credit inquiries that I did not authorize arguably were pulled without permissible purpose. 

My student-loan servicer failed to update or correct my loan status, payment counts, and other information following federal program changes, meaning the data furnished to the credit bureaus is incomplete or misleading. 

The standard Metro 2 data fields appear inconsistent, including account status, payment history grids, dates of first delinquency, and balances, which raises additional questions about the accuracy and completeness of the furnished data. 

I request that all companies involved conduct thorough investigations, provide full verification of each item, and either correct or delete any item that can not be verified in accordance with these legal standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute inaccurate information on my credit report as provided by Equifax. Below are the details of the accounts in dispute : Charged-Off Accounts :XX/XX/XXXXAccount Number : XXXX Date Opened : XX/XX/year> Balance : {$10000.00} XXXXXX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$2700.00}

Company response to consumer: Closed with explanation