vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I went to open a account with XXXX XXXX XXXX and they told me I can not then pass me a paper with Chex system number which is a company that selling my information and I dont consent these actions against me its stoping me from being able to open accounts and giving access to people personal information theres records of accounts I never used in my life

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 2025-07-08 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: AL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: IL

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, Illinois XXXX ] [ XX/XX/year> ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX, CA XXXX ] RE : Notice to Validate Debt / Dispute Collection Account # XXXX To Whom It May Concern : I am requesting validation of the debt you claim I owe as provided for by the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g ( b ).

Please provide the following : 1. A copy of the original signed contract or agreement.

2. Proof that you are authorized to collect this debt in my state.

3. Complete payment history including how the amount was calculated. 
4. Your debt collector license number and the issuing state.

Per 15 U.S. Code 1692g ( b ), you must cease collection activities until validation is provided. Also, under FCRA 15 U.S. Code 1681s-2 ( b ), if you are reporting this account to any credit reporting agency, it must be reported as in dispute.

If you can not validate this debt, you must : Delete it from all credit bureaus, Cease all collection activities, Stop all communication with me except to confirm deletion. 
This letter is a formal dispute. I request all communications be done in writing. Failure to comply will be reported to the Consumer Financial Protection Bureau ( CFPB ), FTC, and state attorney general. 
Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: IL

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, Illinois XXXX ] [ XX/XX/year> ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX, CA XXXX ] RE : Notice to Validate Debt / Dispute Collection Account # XXXX To Whom It May Concern : I am requesting validation of the debt you claim I owe as provided for by the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g ( b ).

Please provide the following : 1. A copy of the original signed contract or agreement.

2. Proof that you are authorized to collect this debt in my state.

3. Complete payment history including how the amount was calculated. 
4. Your debt collector license number and the issuing state.

Per 15 U.S. Code 1692g ( b ), you must cease collection activities until validation is provided. Also, under FCRA 15 U.S. Code 1681s-2 ( b ), if you are reporting this account to any credit reporting agency, it must be reported as in dispute.

If you can not validate this debt, you must : Delete it from all credit bureaus, Cease all collection activities, Stop all communication with me except to confirm deletion. 
This letter is a formal dispute. I request all communications be done in writing. Failure to comply will be reported to the Consumer Financial Protection Bureau ( CFPB ), FTC, and state attorney general. 
Sincerely, [ 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 2025-07-08 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: NJ

Complaint narrative:
XXXX XXXX XXXXXXXX is furnishing outdated information to the credit reporting agencies, in violation of the Fair Credit Reporting Act ( FCRA ), Section 1681c ( a ) ( 4 ). The account in question should have been removed from my credit report no later than XX/XX/XXXX. It remains on all three major credit reports as of XX/XX/XXXX. 

Creditor Name : XXXX XXXX XXXX Date Account Opened : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Account Status : Charged Off Last Payment Date : XX/XX/XXXX Amount Charged Off : {$810.00} Credit Limit : {$500.00} Reporting Agencies : Experian, Equifax, TransUnion Status as of XX/XX/XXXX : Still reporting as a charge-off, XXXX potentially negative months, balance of {$810.00} According to FCRA 1681c ( a ) ( 4 ) : Accounts placed for collection or charged to profit and loss which antedate the report by more than XXXX years shall not be included. 
This account went delinquent in XX/XX/XXXX and was never brought current, meaning the XXXX period expired in XX/XX/XXXX. Continuing to report this account violates federal credit reporting 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 non-monetary relief
Consumer complaint received 2025-07-08 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: NJ

Complaint narrative:
XXXX XXXX XXXXXXXX is furnishing outdated information to the credit reporting agencies, in violation of the Fair Credit Reporting Act ( FCRA ), Section 1681c ( a ) ( 4 ). The account in question should have been removed from my credit report no later than XX/XX/XXXX. It remains on all three major credit reports as of XX/XX/XXXX. 

Creditor Name : XXXX XXXX XXXX Date Account Opened : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Account Status : Charged Off Last Payment Date : XX/XX/XXXX Amount Charged Off : {$810.00} Credit Limit : {$500.00} Reporting Agencies : Experian, Equifax, TransUnion Status as of XX/XX/XXXX : Still reporting as a charge-off, XXXX potentially negative months, balance of {$810.00} According to FCRA 1681c ( a ) ( 4 ) : Accounts placed for collection or charged to profit and loss which antedate the report by more than XXXX years shall not be included. 
This account went delinquent in XX/XX/XXXX and was never brought current, meaning the XXXX period expired in XX/XX/XXXX. Continuing to report this account violates federal credit reporting law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, I was scammed by an individual posing as an XXXX host. They contacted me directly after I viewed a listing and instructed me to pay via Cash App to secure the unit. I sent multiple payments totaling {$5100.00} to a Cash App tag under the false belief that I was reserving temporary housing. 

After payments were completed, I learned from the apartment complex that this person was not authorized to rent the unit and had no legal right to collect payment. The scammer stopped communicating and deleted their XXXX listing. I immediately filed a police report and gathered supporting documentation including : Cash App payment receipts Screenshots of messages with the scammer Police report : [ XXXX ] XXXXXXXX XXXX XXXX I submitted a fraud report through Cash Apps support channels with all evidence, but have not received confirmation of a refund or any follow-up action. This was a clear case of fraud, theft by deception, and misrepresentation. 

I am requesting the CFPB to investigate this matter and assist in securing a full refund of {$5100.00} from Cash App/Square , Inc. , and to ensure stronger fraud protections for other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: DE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Alliant Capital Management LLC
State: FL

Complaint narrative:
I am submitting this complaint against Alliant Capital Management, acting on behalf of XXXX XXXX for the debt that originally came from a personal loan with XXXX. Due to financial hardship during COVID period, I defaulted on the loan after losing my at XXXX. At that time, I was contacted by Alliant and was threatened with a potential lawsuit. Out of fear, I felt pressured into signing an electronic payment agreement with them, and have been making bi weekly payments of {$120.00} for over two years ( XXXX XXXXXXXXper month ). The original loan amount was approximately {$18000.00}. I have paid thousands over the last two years, but the balance still shows over {$12000.00}. I have never received a clear breakdown of how my payments have been applied ( towards principal, fees, etc. ) Most recently, I stopped making payments on XX/XX/year> due to financial hardship. Normally I would received follow up calls or emails if a payment is missed, but I have not been contacted since. Additionally any previous payments requests were sent to me as a XXXX XXXX  attachment, using my previous last name ( from before I married ) and my former mailing address, despite the fact that I have legally changed my name due to marriage and relocated from XXXX  to XXXX  updating all public records. So all communications from Alliant Capital Management including payment notices and demands have come addressed to the wrong name and sent to my previous address. The debt is reported on my credit under the original creditor ( XXXX ) as charged off and sold to XXXX. The amount showing is over {$20000.00} which is inconsistent with the amount Alliant claims I still owe, despite having made over two years of payments. Their use of inaccurate information raises serious concerns about the validity of their record, they ability to lawfully collect this debt, and their potential to report incorrect information to the credit bureaus in violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I am formally disputing this debt and requesting a full validation, including the documentation of their right to collect, and proof of my obligation.

I am requesting that Alliant Capital Management : 1.Provide full and proper validation of the debt, including proof of assignment, full accounting, and original loan documentation.

2.Pause all collection activity until this debt is properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry.

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-08 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and
address listed below : Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date : 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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This XXXX  is showing a different account number and balance owed on my other credit reports. Please delete this account due to inaccurate reporting 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 2025-07-08 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:
I am requesting that an investigation be opened regarding the inaccurate reporting of these accounts on my credit report. In accordance with USC 1681g, I ask that they be removed within 15 days. Enclosed are the supporting documents for your careful review. In addition, the reported account data is inconsistent across the major credit reporting agencies.

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 2025-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I submitted a payment of {$590.00} to Chase Auto. However, my auto loan had already been paid off in full on XX/XX/year>, through a separate payoff transaction of {$27000.00}. After realizing this, I contacted Chase XXXX multiple times to request a refund for the extra payment. The payment was later reversed by Chase on XX/XX/year>, but I never received a refund to my original bank account. 

On XX/XX/year>, Chase issued a refund check for {$730.00}, which they claimed included both the interest from the payoff and the {$590.00} payment made on XX/XX/XXXX. However, the payment history they provided shows that the {$730.00} matches exactly the interest included in the payoff on XX/XX/XXXX, with no indication that the {$590.00} was part of that amount. I have repeatedly asked Chase to provide a clear breakdown of the refund, including confirmation of whether the {$590.00} was refunded. I also contacted my bank, which confirmed that no refund of that amount was received. Despite multiple secure messages and phone calls, Chase has not provided a clear answer or proof of refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
I am reporting this issue to request the urgent deletion and blocking of unauthorized accounts listed on my credit report. These accounts were not created, approved, or recognized by me, and I am unaware of their origin. As stated in USC 1681g, I am formally requesting their removal within 15 days. I have attached supporting documentation for further examination. The account information being reported is also inaccurate and varies between credit bureaus.

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 2025-07-08 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 am contacting you to dispute a late payment currently listed on my credit report. I believe this item is reported in error and does not accurately reflect my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I.C. System is reporting a collection account related to a utility bill from XXXX XXXX XXXXXXXX, but the account contains several legal and reporting issues. First, the account only appears on XXXX  and XXXX, not XXXX, which indicates inconsistent reporting. Second, it is marked both as Open and a Collection account with a 1-month term and no payment history, which is unusual and misleading.

As this debt involves a utility provider, I should have received prior notice before it was sent to collections, as required by law. I requested full validation under the FDCPA and verification under FCRA 609 ( a ), including proof that I.C. System is authorized to report and collect on this debt. They failed to provide any documentation.

This account remains unvalidated and is damaging my credit profile with incomplete and conflicting information. It should not be reported.

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