vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: AR

Complaint narrative:
I am submitting this follow-up in support of my previous complaint and to formally notify the Consumer Financial Protection Bureau that I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ). The FTC Report outlines fraudulent activity involving my personal information, which has resulted in inaccurate and unauthorized information being reported on my credit file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: TX

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

Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XX/XX/XXXX# XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX USC XXXX ( XXXX ) ( b ). 

And according to XXXX USC XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX USC XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Credit cards ruining my credit score and my ability to get funded

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: IL

Complaint narrative:
I was a victim of identity theft and the XXXX  data breach. Many illegal account has been opened in my name and illegal inquiries attempting to open accounts. I have tried working with Transunion to resolve this and Transunion has done nothing. Please help me remove all of these illegal account and inquiries effectively immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 times XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank 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 2025-08-11 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: LA

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

XXXX - XXXXXXXX XXXX XXXX XXXX  XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Upon reviewing my consumer reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer reporting agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX, XXXX. I request a thorough investigation into these discrepancies and urge you to provide, evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on time, as I have consistently upheld my payment obligations without delay.

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 2025-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: WI

Complaint narrative:
On XX/XX/year> a collection account appeared on my credit report stating that I owed {$2000.00} for a utility bill. This account does not belong to me and I have no knowledge of it at all. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Type : Collection Account Type - Detail : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/year> Balance : {$2000.00} No. of Months ( terms ) : - High Credit : {$2000.00} Credit Limit : - Past Due : - Payment Status : Collection/Charge off Last Reported : XX/XX/year> Comments : Placed for collection - Subject has not satisfied debt. 
Date Last Active : XX/XX/year> Date of Last Payment : - Two-Year payment history

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: CL Holdings LLC
State: TX

Complaint narrative:
XXXX  and XXXX  has failed to fuIfill its legal obligation. have formally notified you of a serious breach that involved my personal credit information. I have reason to believe that my data was accessed, disclosed, or misused without my authorization, constituting a violation of federal law and a direct threat to my financial security. 

Under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b * *, access to a consumers credit report is strictly limited to entities with a * * permissible purpose * *. Any access outside of these bounds is unlawful. If my credit report was obtained without my consent or a valid reason, this is a * * clear violation of FCRA 1681b ( f ) * *. , access to a consumers credit report is strictly limited to entities with a * * permissible purpose * *. Any access outside of these bounds is unlawful. If my credit report was obtained without my consent or a valid reason, this is a * * clear violation of FCRA 1681b ( f ) * *.

Additionally, under the * * Gramm-Leach-Bliley Act ( GLBA ) * *, financial institutions are required to protect the privacy and security of consumer data. A breach of this nature suggests a failure to maintain adequate safeguards, violating * * GLBAs Safeguards Rule ( 16 CFR Part 314 ) * *.

I am demanding the following actions be taken immediately : 1. A * * full investigation * * into the breach and unauthorized access. 
2. A * * written explanation * * detailing how my information was compromised.

3. Requesting all original signed contracts authorizing any purchases.

This breach has caused undue stress and potential financial harm. I expect swift and thorough resolution. You are legally obligated to protect consumer data, and I intend to hold you accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX  and XXXX  has failed to fuIfill its legal obligation. have formally notified you of a serious breach that involved my personal credit information. I have reason to believe that my data was accessed, disclosed, or misused without my authorization, constituting a violation of federal law and a direct threat to my financial security.

Under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b * *, access to a consumers credit report is strictly limited to entities with a * * permissible purpose * *. Any access outside of these bounds is unlawful. If my credit report was obtained without my consent or a valid reason, this is a * * clear violation of FCRA 1681b ( f ) * *.

, access to a consumers credit report is strictly limited to entities with a * * permissible purpose * *. Any access outside of these bounds is unlawful. If my credit report was obtained without my consent or a valid reason, this is a * * clear violation of FCRA 1681b ( f ) * *.

Additionally, under the * * Gramm-Leach-Bliley Act ( GLBA ) * *, financial institutions are required to protect the privacy and security of consumer data. A breach of this nature suggests a failure to maintain adequate safeguards, violating * * GLBAs Safeguards Rule ( 16 CFR Part 314 ) * *.

I am demanding the following actions be taken immediately : 1. A * * full investigation * * into the breach and unauthorized access.

2. A * * written explanation * * detailing how my information was compromised.

3. Requesting all original signed contracts authorizing any purchases.

This breach has caused undue stress and potential financial harm. I expect swift and thorough resolution. You are legally obligated to protect consumer data, and I intend to hold you accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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:
I am filing a formal complaint to disputing the following credit inquiries that appear on my credit report. These inquiries were not authorized by me and were not initiated for any transaction that I applied for or permitted. Pursuant to FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), a consumer reporting agency may only furnish a consumer report under specific permissible purposes. These inquiries do not meet any of the allowable purposes outlined by law.EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Identity Theft for the following accounts : Accounts in Dispute XX/XX/XXXX XXXX Acct # XXXX Balance {$110000.00} CAPITAL ONE Acct # XXXX Closed, XXXX late payments XXXX XXXX XXXX Acct # XXXX Closed, collection history XXXX XXXX XXXX Acct # XXXX Charged-off, {$600.00} XXXX  XXXX XXXX Acct XXXX XXXX XXXX, {$200.00} XXXX XXXX Acct # XXXX Collection XXXX {$2000.00} XXXX XXXX, XXXX Acct # XXXX Collection, {$1300.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Acct # XXXX Collection, {$3700.00} Original creditor : XXXX XXXX XXXX XXXX Hard Inquiries in Dispute XXXX  XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 2020

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent a address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: NY

Complaint narrative:
Upon reviewing my consumer reports, I discovered some instances of late payments on XX/XX/year>, an account for which I have always maintained timely payments. Consumer reporting agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX, XXXX. I request a thorough investigation into these discrepancies and urge you to provide, evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on time, as I have consistently upheld my payment obligations without delay.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft and have discovered accounts and inquiries on my credit report that I did not authorize. 

Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that these fraudulent items be blocked and removed from my file. 

Please send written confirmation once the deletions are complete.

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 2025-08-11 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: CT

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: PR

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and CFPB credit reporting guidelines regarding the reporting of my auto loan account ending in XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX is reporting two different payment histories for the exact same account and months to different credit bureaus. A direct comparison of my Experian and TransUnion credit reports reveals 9 months with conflicting status codes. 

Conflicting Payment History Months XXXX XXXX Experian : 30 days late / TransUnion : OK XX/XX/XXXX Experian : 30 days late / TransUnion : OK XX/XX/XXXX Experian : 30 days late / TransUnion : OK XX/XX/XXXX Experian : OK / TransUnion : 60 days late XX/XX/XXXX Experian : OK / TransUnion : XXXX ( Voluntary Surrender ) XX/XX/XXXX Experian : XXXX / TransUnion : OK XX/XX/XXXX Experian : XXXX / TransUnion : OK XX/XX/XXXX Experian : XXXX / TransUnion : OK XX/XX/XXXX Experian : XXXX / TransUnion : OK Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information that they know or should know is inaccurate. Furnishing different payment history statuses for the same months to different credit bureaus is inherently inaccurate and misleading. 

The CFPBs own guidance makes clear that payment history is materially significant in assessing a consumers creditworthiness. Discrepancies of this nature cause direct harm by altering my credit risk profile depending on which bureau is accessed. 

Additional Concerns The continuous reporting of XXXX ( XXXX Surrender ) each month after XX/XX/XXXX suggests ongoing delinquency for a closed account, which is misleading and may constitute unlawful re-aging of the account. 

The Date of First Delinquency ( DOFD ) and removal dates are inconsistent across my reports, further questioning the reliability of the furnishers data. 
THIS ACCOUNT HAS BEEN VERIFIED AND UPDATED RECENTLY AND STILL SHOWING INACCURACIES

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