vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: IN

Complaint narrative:
This morning at XXXX I called the XXXX  help line because my account was messed up. The person who picked up the call claimed that my account was locked because of a crypto fraud and that I had to clear these false charges. I moved {$4100.00} from my checking to my Robin Hood account where I already had {$500.00} so {$4600.00} in my Robin Hood account. They had me buy bitcoin to make sure my account wasnt banned and then told me they were running fake transactions. When they did these fake transactions they still {$4200.00} from my Robin Hood. Then the caller hung up and I realized I was scammed. I called my bank and filed a claim immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Consolidated Credit Solutions, Inc.
State: OR

Complaint narrative:
I have paid my auto loan since XX/XX/XXXX to XXXX XXXX XXXX XXXX ( XXXX ) and never had any issues. 
In XX/XX/XXXX Consolidated XXXX  Credit Union ( CCXXXXU ) apparently merged with PFCU. Since then I have not had access to my transactions or history and tried several times to get it. I also lost my job and let them know I need payment arrangements. I continued to get called and texted from CCCU even though paid per the arrangements. In XXXX, I was unable to pay and asked for more time. They agreed and gave me until XX/XX/XXXX. Despite this, they repossessed my car on XX/XX/XXXX with no notice. I requested a reinstatement and that I had the payment ready but was blocked online and denied reinstatement. This is wrongful repossession as they ignored our payment arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because the consumer reporting agency has failed to comply with its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). This provision requires the agency to provide a comprehensive description of the reinvestigation procedures used to verify disputed information when requested by the consumer. I specifically requested the name and contact information of the furnisher, the identity of the individual with whom the agency communicated, and the documentation relied upon to verify the accuracy of the disputed account. The agency failed to provide this information within the 15-day period mandated by law, which constitutes a clear and direct violation of my rights under the FCRA.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC for willful non-compliance with the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2 ( FCRA 605B ). I submitted a complete and valid Identity Theft Block request to Equifax, including proof of identity, identification of the specific fraudulent accounts, and a completed Identity Theft Report as required by federal law. Despite this, Equifax refused to block the fraudulent information within the mandatory four ( 4 ) business days required under FCRA 605B ( a ) ( 1 ). Instead, Equifax improperly converted my identity theft block request into a reinvestigation, claiming they would contact furnishers and respond within 30 days. This action directly violates federal law, as Equifax is prohibited from reinvestigating information that is the result of identity theft once a valid 605B submission has been made. Equifax did not claim that my Identity Theft Report was incomplete, inaccurate, or materially false under 605B ( c ), and therefore had no lawful basis to refuse the block. Their written response admitting refusal to block while initiating a reinvestigation constitutes clear evidence of statutory non-compliance. This unlawful conduct has caused ongoing harm by allowing fraudulent accounts to continue reporting on my credit file. I am requesting immediate enforcement action requiring Equifax to block and delete all disputed identity-theft-related information immediately, confirm compliance in writing, and ensure no further reinvestigation or reporting occurs in violation of FCRA 605B, 611, and 623 ( a ) ( 6 ). I am also requesting that Equifax be required to correct its procedures to prevent continued violations of federal consumer protection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Formal Complaint Inaccurate Debt Reporting and Request for Removal I am submitting this complaint to formally dispute a debt that is currently being reported against me, which I believe is false and inaccurate. The debt in question does not belong to me, and I have no legal or contractual obligation for it. Despite this, it continues to be reported on my credit file and is negatively affecting my creditworthiness. I am requesting that this inaccurate debt be immediately investigated, verified, and removed from my credit report, as required under the Fair Credit Reporting Act ( FCRA ). Additionally, I request that this false information be removed from all three major credit bureaus to which my Social Security number is reported, including : XXXX XXXX XXXX  If the creditor or collection agency is unable to provide proper documentation proving that this debt is valid and legally mine, it must be deleted in its entirety. Please consider this letter as a formal request for the correction of inaccurate credit reporting and compliance with federal consumer protection laws. Thank you for your prompt attention to this matter. Sincerely, [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX, Florida, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] [ XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: MD

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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 filing a complaint against Experian, Equifax, and Transunion for failing to properly investigate and correct inaccurate information on my credit report. 

Experian is reporting a XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) tradeline that does not belong to me. The account is reported as opened XX/XX/XXXX with an approximate balance of {$6700.00} and reflects a charge-off. I did not apply for or authorize this account and I dispute any liability. 

I previously disputed this tradeline with all credit bureaus and provided supporting information. Despite my dispute, they have continued reporting the account and/or responded that it was verified, without providing meaningful substantiation that the account is mine. Under the Fair Credit Reporting Act, a consumer reporting agency must conduct a reasonable reinvestigation when a consumer disputes information and must provide the consumer notice of the results of that reinvestigation. 

This same underlying account was also the subject of a CFPB complaint against the furnisher ( XXXX XXXX XXXX XXXX ) under Complaint No. XXXX. In that matter, XXXX claimed it sent documentation validating the account on XX/XX/XXXX, but I never received any such documentation ( no agreement, no statement history, and no proof of authorization ). Experian should not continue to report information as accurate when it can not be properly verified as belonging to me.

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 2025-12-18 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: LA

Complaint narrative:
Dear Sir/Madam, I am submitting this complaint in an effort to resolve inaccuracies found in my credit report. Below are the details of the accounts in dispute across all three credit bureaus : Equifax ( EQ ), XXXX ( XXXX ), and XXXX ( XXXX ). 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$650.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$65.00} Inquiries : XXXX Date of Inquiry : XX/XX/XXXX Late Payments : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: FL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least 21 days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
In early XX/XX/year>, I made a payment of USD XXXX using PayPal XXXX XXXX XXXX for a service that was never delivered. No goods or services were provided, and no refund was issued. 

I opened a dispute with PayPal under XXXX XXXX shortly after the transaction. Despite the payment being made via XXXX XXXX XXXX and the service not being delivered, PayPal denied the claim after review. 

PayPal instructed me to contact my bank and dispute the charge instead of resolving the matter under XXXX XXXX. I followed this instruction promptly and in good faith. Any delays since then were due to bank-side procedures, not inaction on my part. 

When I later requested a supervisor-level review and clarification of why XXXX XXXX was not applied, PayPal refused to reopen the case and did not identify any specific policy exclusion that would make the transaction ineligible. 

The seller committed fraud, provided no proof of delivery, and no service was rendered. This transaction appears to fall squarely within the scope of PayPal XXXX XXXX for XXXX XXXX XXXX payments, yet PayPal failed to provide the protection advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
LMMINC is falsely reporting on my credit. I have never had any accounts with them. Per my research LMMINC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 explanation