vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I am filing this complaint because Ability Recovery is reporting a collection account on my credit reports that is marked as charged off. I have no record of ever signing any contract or agreeing to this debt with Ability Recovery. 

I previously sent disputes and provided my identification, but I have not received proper documentation proving that this account is valid or that Ability Recovery has the legal right to collect on it. 

Under the Fair Debt Collection Practices Act ( XXXX  ) and the Fair Credit Reporting Act ( XXXX  ), you are required to provide verification of a debt upon request and to ensure all reported information is accurate and not misleading. 

Reporting an account as a charge-off is a serious negative item, and since you have not provided proof that this debt belongs to me, it should not be on my credit reports.

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 2025-08-06 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: CA

Complaint narrative:
I disputed an inaccurate collections account from XXXX XXXX for {$110.00} related to XXXX XXXX. I mailed a certified letter to Equifax 30 days ago requesting an investigation and asking for the method of verification under the FCRA ( Section XXXX ). Equifax responded that the account was verified, but did not provide any supporting documentation or explain how they verified it, despite my request. This is a violation of my rights, and I am requesting that this account be removed from my credit report due to their failure to comply with proper verification procedures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-08-06 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am filing this complaint to request the XXXX assistance in addressing identity theft-related accounts that remain on my TransUnion credit report in violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX [ XXXX U.S.C. XXXX ]. 

Despite providing the necessary documentation under the law, including a police report and identity verification, the following fraudulent accounts remain on my file : XXXX XXXX Account ending in XXXX XXXX XXXX Account ending in XXXX XXXX XXXX Account ending in XXXX XXXX XXXX Account ending in XXXX XXXX Account ending in XXXX XXXX/BALANCE CR Account ending in XXXX XXXX Account ending in XXXX These accounts were not authorized by me and were opened fraudulently. I followed the legal procedure outlined in FCRA XXXX, which requires the credit reporting agency to block these accounts within XXXX ( XXXX ) business days of receiving my dispute. 

I am submitting this complaint to request the CFPBs assistance in : XXXX. Ensuring TransUnion complies with FCRA XXXX and permanently blocks these accounts XXXX. Investigating whether TransUnion is failing to meet its obligations under federal consumer protection laws XXXX. Ensuring a written confirmation is provided once the fraudulent items have been removed from my file Attached are the supporting documents required under FCRA XXXX : A copy of my government-issued ID Proof of current address A signed statement identifying the fraudulent accounts I respectfully request your intervention to help enforce my rights under federal law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date : XX/XX/year> 2025

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 2025-08-06 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX Date : XX/XX/2025 Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Authorized User Account Demand for Permanent Removal and Deletion Account : XXXX XXXX Account No. * * * * XXXX Balance : {$1800.00} To Whom It May Concern, I am writing under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to formally dispute the above-referenced account currently appearing on my Equifax credit file. 

This account belongs to XXXX Bank and is reporting under Account Number ending in XXXX, with a balance of {$1800.00}. I am not the primary account holder. I was only listed as an authorized user on this account. I have never assumed any financial responsibility for this account, nor have I ever entered into any agreement with XXXX Bank regarding repayment of this debt. 

Under FCRA 602 ( A ) and FCRA 607 ( b ), consumer reporting agencies must maintain maximum possible accuracy in the information they report. As an authorized user, I have no legal obligation for repayment, and this account is being misrepresented as part of my credit profile, causing damage to my creditworthiness. 

I am demanding the following actions : Immediate and permanent removal of my name as an authorized user from the XXXX account ending in XXXX. 
Permanent deletion of this account from my Equifax credit report, as it is not my debt and I am not financially responsible for it. 
Written confirmation that the above actions have been completed. 
Please consider this letter a formal dispute and request for reinvestigation under FCRA 611. You are required to investigate and respond within 30 days of receipt of this letter. If you can not verify that I am the legal, primary account holder responsible for repayment, you must delete this account from my credit report.

Failure to comply will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies for willful and negligent noncompliance under FCRA 616 and 617. 

I have enclosed a copy of my government-issued identification and proof of address for verification purposes. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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 am submitting a follow up complaint and I appreciate your help in removing some of the fraudulent information from my credit file. However, several accounts still remain and need to be deleted.

As stated under FCRA Section 605, inaccurate or fraudulent information must be removed. Ive already submitted the required documents and am resending them here.

If these items are not resolved, my attorney is prepared to take further action.

The remaining disputed accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-08-06 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:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The XXXX  and XXXX  toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: VA

Complaint narrative:
I attempted to purchase a car for my daughter today at a dealer that is XXXX minutes away from our house, and my debit card declined. The cost of the vehicle was {$17.00}, XXXX and I had over {$18000.00} in my account. The first attempt to purchase was between XXXX and XXXX on XX/XX/year>. It was declined and I called Discover 's customer service line because I thought it was probably a fraud alert. The first agent I spoke with told me that there was a limit per debit card/per day on each account. She then put me on hold to increase the limit. She told me to wait XXXX minutes before I tried to use my card. 

We tried several times and it did not work.The second agent I spoke to told me I had spent part of my daily limit earlier in the day when I put gas in my car. He then requested another increase ( I think? ). This did not work either. I happen to have a second ATM card for the same account, so we decided to try to charge {$14000.00} on XXXX card, and the balance on the second card, which failed. He transferred me to an " Account manager. '' Every single time we changed any variable, the dealership had to change the order for the cashier. I spoke to the fourth agent who told me that because there had been so many attempts to charge the card, it was flagged. He also told me that it was not going to work at all today. I did not have checks on me today, but I am driving back tomorrow to pay with a check. This can't happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: GA

Complaint narrative:
My credit file appears to be mixed with another individuals information, leading to inaccurate accounts appearing on my report. I have never had accounts with several of the companies listed, and the identifying information on those entries does not match mine. Under FCRA 607 ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy. The presence of mixed-file data shows a failure to comply with this standard.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I take my credit seriously, just like anyone else, and the fact that there are still errors on my report is unacceptable. These inaccurate items are in pending litigation because of the way they were carelessly reported. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ). Additionally, I am also writing to request the correction of inaccurate personal information as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating. My credit report should only reflect accurate information, which is why its important all data is verified. I expect my credit report to reflect only accurate, verified informationnothing less. This needs to be corrected immediately.

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 2025-08-06 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: FL

Complaint narrative:
I am submitting this complaint against Experian for its continued inaccurate and unlawful reporting of a XXXX CARD tradeline ( ending in XXXX ) on my credit report. This tradeline is being reported with the status : " Discharged through Bankruptcy Chapter XXXX / Never late '', even though my Chapter XXXX bankruptcy was permanently removed from my credit file following a prior dispute due to FCRA and XXXX XXXX violations. 

Experian has altered the reporting status of this account multiple times from charge-off, to open, to now listing it as discharged through bankruptcy despite the fact that there is no active bankruptcy public record on file. These actions amount to the re-insertion of previously deleted data in violation of : FCRA XXXX ( a ) ( XXXX ) ( B ) : Re-insertion of previously deleted data without proper certification FCRA XXXX ( b ) : Failure to ensure maximum possible accuracy FCRA XXXX ( b ) : Failure to correct inaccurate or unverifiable information after dispute FCRA XXXX ( a ) ( XXXX ) : Failure to conduct a reasonable reinvestigation Additionally, the current XXXX in Chapter XXXX designation violates XXXX XXXX reporting guidelines, which state that bankruptcy indicators ( such as CII Code 'D " ) may only be used when there is an active, verified bankruptcy public record on file. Since no such public record exists, Experian 's inclusion of this language is deceptive and misleading. 
I have filed multiple complaints with the CFPB regarding Experians handling of bankruptcy-related reporting, including : CFPB Complaint # XXXX CFPB Complaint # XXXX CFPB Complaint # XXXX These cases support a pattern of noncompliance and manipulation by Experian regarding bankruptcy-coded data. I have also sent legal demand letters prepared by counsel.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
CITI CARDS CBNA charged off the loan and was supposed to return the form 1099c, so I can file my taxes. I would also like for CITI CARDS CBNA to cease and desist, and mail the vehicle title, The credit bureaus XXXX XXXX XXXX must cease and desist reporting inaccurate information.

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 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CL Holdings LLC
State: LA

Complaint narrative:
I have received numerous calls from your company of which I have never done business with, I have ask your agents to cease and desist from contacting me, the calls are causing me to have XXXX and anxiety and have caused havoc in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: KY

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-06 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: KY

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MI

Complaint narrative:
Cash app locked my account without any explanation with my money {$300.00} to be exact and no one is responding I sent this letter on XXXX/2025and still didnt receive any response-Dear Legal Team, My Cash App account has been locked with {$300.00} in available funds. I use this money for essential living expenses, specifically rent, and I am currently facing housing insecurity due to the freeze. 



I have attempted to resolve this through customer support without success. I am requesting that you immediately release my funds or provide a detailed explanation, in writing, for the freeze. 



If this issue is not resolved within 5 business days, I will pursue a complaint through the CFPB, state attorney general, and consider arbitration or small claims court as permitted under your terms of service. 



Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX $ XXXX

Company response to consumer: Closed with explanation