vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 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: VA

Complaint narrative:
In XX/XX/XXXX I discovered that multiple accounts and loans had been opened in my name without my knowledge or consent. These fraudulent accounts were only detected when I reviewed my credit reports. 

The unauthorized accounts include : - A credit card with a XXXX XXXXXXXX XXXX showing a {$0.00} balance that was opened before XX/XX/XXXX. 
- A credit card with a financial institution that began around XX/XX/XXXX with approximately {$1100.00} in fraudulent charges. 
- A credit card with an online bank that began around XX/XX/XXXX with about {$370.00} in fraudulent charges. 
- A real estate loan with a resort company that began around XX/XX/XXXX with an outstanding balance of roughly {$8900.00}. 
- An auto loan with the same XXXX XXXX XXXX that began around XX/XX/XXXX with a balance of about {$19000.00}. 

I did not apply for or authorize any of these accounts or the associated credit inquiries. After learning about them, I contacted the companies involved to dispute the accounts and requested documentation, but they have not provided the information I requested. I have also reported the identity theft to the Federal Trade Commission. I am seeking assistance to have these fraudulent accounts, inquiries and debts investigated and removed from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
Subject : Request for XXXX XXXX XXXX - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number XXXX for my credit card to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). 
According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 
Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XX/XX/year> I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 
I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 
Thank you for your attention to this important matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally dispute the debt you claim I owe and to point out multiple violations of consumer protection laws in your collection practices. I do not recognize any obligation to the following collection agencies : XXXX XXXX XXXX XXXXXXXX Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), I request full debt validation, including the original creditors name, account number, total alleged balance, and an itemized statement of all fees, charges, and interest. I also request a copy of the purchase agreement between your agency and the original creditor to substantiate your authority to collect this debt. A complaint has been filed with the Consumer Financial Protection Bureau regarding these concerns.

Additionally, I hereby revoke permission for contact via phone, email, or text. All further communication must be in writing. Your failure to afford me a proper opportunity to dispute this debt, as required under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), is a violation of my rights. Your collection practices have been deceptive and lack required legal disclosures. Furthermore, it is unlawful for XXXX XXXX to report this debt without providing the disclosures mandated by 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
So my complaint that I file on in XX/XX/year>, OK I know what an inquiry is and I know what the law requires. It also requires if Im a victim of identity theft did you remove that information or block it from my credit report within four days or remove it completely within 30 do you understand I know my rides you dont apparently Youre retaliating against me by saying that my address is now not my address and when I tried to change it online. He said I couldnt when I tried to change it over the phone you said I couldnt so please tell me why is it that you think that my address has changed? I would love to know this. They said it may be due to fraud and thats all I got Another thing. If you can remove 270 inquiries in one sitting which they did once you can do it again do it again Im telling you its identity theft Ive already proven that multiple times yall have my file I had Experian identity works paid for by XXXX because I was part of a data breach and I had that service for one year at an identity, theft restoration specialist and yall definitely know that Im a victim of identity that currently And previously and remove the inquiries and adjust my credit score accordingly, please Im giving you four days from the date that you read this to at least block all of these inquiries from my credit report until it could be further evaluated if you dont, Im not gon na use the CFPB to suit you I will sue you myself I was literally eliminate you from the financial system altogether. Nobody will even know what experience isnt 10 years why so its not illegal nobody will know what Experian was 10 years from now itll be like the oil boom in Texas oh remember when there was all that and now theres not thats what theyll be thinking about Experian

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
So my complaint that I file on in XX/XX/year>, OK I know what an inquiry is and I know what the law requires. It also requires if Im a victim of identity theft did you remove that information or block it from my credit report within four days or remove it completely within 30 do you understand I know my rides you dont apparently Youre retaliating against me by saying that my address is now not my address and when I tried to change it online. He said I couldnt when I tried to change it over the phone you said I couldnt so please tell me why is it that you think that my address has changed? I would love to know this. They said it may be due to fraud and thats all I got Another thing. If you can remove 270 inquiries in one sitting which they did once you can do it again do it again Im telling you its identity theft Ive already proven that multiple times yall have my file I had Experian identity works paid for by XXXX because I was part of a data breach and I had that service for one year at an identity, theft restoration specialist and yall definitely know that Im a victim of identity that currently And previously and remove the inquiries and adjust my credit score accordingly, please Im giving you four days from the date that you read this to at least block all of these inquiries from my credit report until it could be further evaluated if you dont, Im not gon na use the CFPB to suit you I will sue you myself I was literally eliminate you from the financial system altogether. Nobody will even know what experience isnt 10 years why so its not illegal nobody will know what Experian was 10 years from now itll be like the oil boom in Texas oh remember when there was all that and now theres not thats what theyll be thinking about Experian

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 2025-07-27 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: TX

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$550.00} INQUIRIES : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
Upon reviewing my credit report, I noticed several inaccuracies associated with this account. This account is negativity impacting my ability to obtain credit. I am requesting that you conduct a thorough investigation to verify the accuracy and completeness of the information, as required under The Fair Credit Reporting Act ( FCRA ), codified as 15 U.S.C. 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
Upon reviewing my credit report, I noticed several inaccuracies associated with this account. This account is negativity impacting my ability to obtain credit. I am requesting that you conduct a thorough investigation to verify the accuracy and completeness of the information, as required under The Fair Credit Reporting Act ( FCRA ), codified as 15 U.S.C. 1681.

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 2025-07-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: PA

Complaint narrative:
My name is XXXX XXXX I need all the records and documents to be uploaded to this complaint for all parties XXXX and XXXX and XXXX for account number XXXX etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am filing this formal complaint against Jefferson Capital Systems , LLC for reporting an unverifiable debt to the credit reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ). 
ACCOUNT DETAILS : - Company : Jefferson Capital Systems , LLC - Account XXXX XXXX XXXX - Balance : {$1600.00} - Date Opened : XX/XX/year> - Original Creditor : XXXX ISSUES & VIOLATIONS : This account is being reported without any signed contract or original documentation proving that I owe this debt. I have not received any physical verification from this debt collector. This is a direct violation of the FCRA and XXXX XXXX reporting guidelines. 
LEGAL GROUNDS : - 15 U.S.C. 1681e ( b ) : Duty to maintain maximum possible accuracy.- 15 U.S.C. 1681i ( a ), 1681i ( a ) ( 5 ) ( A ) : Obligation to remove unverifiable or disputed information.- FCRA 611 : Right to dispute any inaccurate, outdated, or unverifiable data.- REQUESTED RESOLUTION : I am requesting immediate deletion of this account from all credit bureaus, written confirmation of deletion, and CFPB XXXX action against the furnisher for FCRA non-compliance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: NY

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PINNACLE RECOVERY, INC.
State: IL

Complaint narrative:
I missed a bill from the XXXX company for the annual XXXX dues, which I have had for XXXX  years. XXXX sent it to collections without any warningI never got another bill. XXXX XXXX sent me a letter in XXXX. I tried to pay XXXX but they said they could not accept any payment and that I had to work with XXXX. The original dues were to be paid by XX/XX/XXXX. I called XXXX and offered to pay them the original amount ( {$1800.00} ) plus interest of {$100.00} on that day, but I strongly disputed the additional {$800.00} in XXXXXXXX XXXX  of the original balance. They refused my offer of payment unless I paid all the fees but they could not explain why they added so much on. I contacted them via email XX/XX/XXXX to offer to pay the {$1900.00} but not the exorbitant fees and also to request a full written explanation of these fees, their contractual basis, and how they were calculated. They never responded to my request, but they started emailing me the same letter demanding payment. Also the person I spoke to over the phone said they would send me to collections if I didnt pay the whole thing. I tried to pay via their website, but they have me check a box if I wasnt paying the amount in full that said this would not be satisfying the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Block, Inc.
State: MO

Complaint narrative:
I have a CashApp card with a chip. The chip is defective so I reached out to CashApp and was told I would have to pay for a replacement card, and that I would be reimbursed immediately for the cost of the card. The card is {$50.00}, which I was told would be the amount reimbursed. So I purchased the card, the total was {$52.00}. They then only reimbursed {$31.00} of the {$50.00} dollars saying when I purchased the original I only paid {$30.00} for it, but I actually paid {$35.00}. I went back and forth for a while with them but to no avail. My card shouldve been here over a week ago, but I still havent received it. I reached out to CashApp to tell them I hadnt received my card to which they suggested buy another card and we will immediately reimburse you. I refused to do so and told them as much. Once I filed a complaint with the FTC then they started telling me it mustve gotten lost in the mail, and then they essentially just shut the conversation down. So they kept at lest {$21.00} of the {$52.00} I paid and I still dont have my card. This was back on XX/XX/year>. They have been very arrogant and indifferent about the situation. I have receipts from money theyve taken to conversations that have been had through chats. Thy have not tried o solve this issue in any level and Im still out o my money and dont have my replacement card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: CO

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX 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