vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: NC

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 - XX/XX/XXXX - {$17000.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$100.00} Inquiries : XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/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 2025-06-24 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: NC

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 - XX/XX/XXXX - {$17000.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$100.00} Inquiries : XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/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 non-monetary relief
Consumer complaint received 2025-06-24 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: FL

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: GA

Complaint narrative:
Complainant : XXXX XXXX Subject : Ongoing Non-Compliance with FCRA Failure to Reinvestigate, Verify, or Remove Inaccurate Credit Information I, XXXX XXXX, am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of the Fair Credit Reporting Act ( FCRA ) by one or more consumer reporting agencies and furnishers. Despite multiple disputes submitted over the course of several months, including a formal reinvestigation demand dated XX/XX/XXXX, the credit reporting agency has failed to properly investigate, verify, or correct multiple inaccurate and unverifiable entries in my credit file. 

My initial correspondence began on XX/XX/XXXX, and has included repeated efforts to resolve this matter amicably. The agencys continued inaction and refusal to provide verification constitute clear violations of federal law. 

Violations Cited : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) Failure to provide the method of verification 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy Disputed Items Still Unresolved : Account : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Unauthorized or Unverified Inquiries : 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 2025-06-24 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:
Complainant : XXXX XXXX Subject : Ongoing Non-Compliance with FCRA Failure to Reinvestigate, Verify, or Remove Inaccurate Credit Information I, XXXX XXXX, am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of the Fair Credit Reporting Act ( FCRA ) by one or more consumer reporting agencies and furnishers. Despite multiple disputes submitted over the course of several months, including a formal reinvestigation demand dated XX/XX/XXXX, the credit reporting agency has failed to properly investigate, verify, or correct multiple inaccurate and unverifiable entries in my credit file. 

My initial correspondence began on XX/XX/XXXX, and has included repeated efforts to resolve this matter amicably. The agencys continued inaction and refusal to provide verification constitute clear violations of federal law. 

Violations Cited : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) Failure to provide the method of verification 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy Disputed Items Still Unresolved : Account : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Unauthorized or Unverified Inquiries : 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 non-monetary relief
Consumer complaint received 2025-06-24 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: MA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 explanation
Consumer complaint received 2025-06-24 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX/XXXX  ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ]

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 2025-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
There is something REALLY WRONG with this lender. First of all, I have supplied you with the tax bill for the ENTIRE YEAR that will be disbursed in XXXX as taxes are paid in arrears. 

You are over escrowing me and this is a VIOLATION of the ILLINOIS MORTGAGE ESCROW LAW I do not think you are REVIEWING how much my bill is and keep going back to closing papers that I was OVERESCROWED for as waiting for the tax bill and you are keeping WAY over the amount. 

This needs to be corrected

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: UT

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/year> I received a call from scammer claiming my bank accounts had been hacked. The told me I needed to send money to fix the situation. I believe they hacked my cell phone to gain access to my account. There were 2 wire transfers. One for {$13000.00}, and one for {$16000.00}. I believe they may have used the XXXX XXXX app to make these transfers because I found the XXXX app on my phone. Capital One investigated, but declined to refund the money because they were wire transfers. 

This situation should have resulted in an immediate text or phone call to notify my. I have never sent wire transfers to anyone. I only transfer money to my XXXX Checking account. Capital One did not protect me as a customer. I am XXXX years old and now have just {$14000.00} in my savings. I have no other savings, and live on a monthly {$3100.00} social security. Capital One, a multi-XXXX  dollar company has a duty to protect their customers. These wire transfers should have resulted in a red flag warning. 

My phone calls to Capital One have higher security than my savings account. The steps I have to go through on phone call ( texts, drivers license photos ) would make you think I would have been better protected. 

I have filed a police report and a report to the FBI.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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 respectfully request a reinvestigation into a late payment that has been reported on my credit profile. My personal financial records, including banking statements, confirm that the payment in question was made on time and within the required billing cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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 communication is to dispute a hard inquiry on my credit report that was not made with my consent or initiated by me. I am requesting an immediate investigation and removal of this entry. I have checked my records thoroughly and confirmed that I did not apply for credit during the period when the inquiry was made. Under the Fair Credit Reporting Act, no one is permitted to access my credit file without a permissible purpose and my express authorization.

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 2025-06-24 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: NY

Complaint narrative:
On XX/XX/2025 at about XXXX XXXX  i attempted a transaction on cash app trying to send money to someone. At about XXXX XXXX  the person alerted me They didn't receive the payment. This payment was for {$1500.00}. Cash app allowed someone else to fraudulently open an account under this woman 's name and refused to return my money. I called immediately trying to get a refund or to have the money sent to the rightful recipient. Cash app representatives were rude, not helpful, made the process even more stressful and difficult. Imagine {$1500.00} of your hard earned money just gone to the wrong person and then Cash app refusing to do anything about it. In one of recording I have from the conversations with one of the representative they said if I provided the information for the person it was intended for they could refund it, I provided that information and after a 2 minute hold I was told that they are unable to refund the money when I asked for a rational reason behind the denial of refunding my money she stated she couldn't share that information with me. Cash app has to do better business. I want to be refunded my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: LA

Complaint narrative:
I am filing this complaint because Equifax is reporting a collection account on my credit report that is not mine and has never been verified. I have disputed the account, but Equifax has failed to remove it or provide any proof that I am responsible for the debt. 

Disputed Account Details : Company Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX Date Opened : XX/XX/year> Balance : {$3600.00} Status : Collection Why this is a problem : I have no relationship with XXXX XXXX or XXXX  XXXX. I never signed any agreement, received any services, or was notified about this debt until I saw it appear on my credit report. 

I formally disputed the account with Equifax and asked for proper documentation proving this debt belongs to me. Equifax did not provide any validation or remove the account. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Equifax is required under FCRA 1681i ( a ) to conduct a proper reinvestigation of any disputed information. They are also responsible for ensuring maximum possible accuracy under FCRA 1681e ( b ). Reporting this unverified collection account violates both of these laws. 

How this has affected me : This false information is hurting my credit score, affecting my ability to get approved for credit, and causing me unnecessary stress. Ive done everything Im supposed tosubmitted a dispute, requested validationbut Equifax continues to report this account with no evidence that it is mine. 

What I want to happen : I want Equifax to delete this collection account from my credit report immediately. 

I want a corrected copy of my credit report. 

I want Equifax to make sure they only report verified, accurate information going forward. 

Have you contacted the company already? 
Yes. I disputed this account with Equifax but did not receive any meaningful response or documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: Kikoff Inc.
State: FL

Complaint narrative:
I am disputing an account reported by Kikoff Lending LLC that I do not recognize and never opened. I reached out to the credit bureaus to dispute this account and also contacted Kikoff directly, but the account still remains on my credit report. I have no knowledge of this account and believe it may be the result of an error or identity theft. I am requesting its immediate removal in compliance with the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
I previously disputed a collection account with XXXX  related to ConServe on behalf of XXXX XXXX. Although the balance is now {$0.00} and the account is closed, it still appears as a collection on my credit report. I requested verification and supporting documentation showing how the debt was validated and reported, but I did not receive any detailed documentation or proof of ownership beyond basic acknowledgment. I believe this account is negatively impacting my credit despite being resolved and paid. Additionally, the account was previously marked as disputed and now shows resolved by data furnisher, but no updated documentation was provided to support continued reporting. I am requesting full removal due to insufficient verification and inaccurate reporting of collection status post-resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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