vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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 filing this complaint because Equifax is reporting several items on my credit report that I believe are inaccurate, incomplete, or not properly verified. I have attempted to dispute these accounts and inquiries directly with Equifax, but the information remains unchanged. 
Charged-Off I am disputing the accuracy, ownership, dates, and balances of the following accounts : XXXX XXXX XXXX  Acct XXXX XXXX  XX/XX/XXXX {$1600.00} XXXX XXXX XXXX  Acct XXXX XXXX  XX/XX/XXXX {$1100.00} XXXX XXXX XXXX  Acct XXXX XXXX  XX/XX/XXXX {$1100.00} XXXX  Acct XXXX XXXX  XX/XX/XXXX {$180.00} There appear to be duplicates, inconsistent dates, and items that have not been validated by the furnishers. 

XXXX. Hard Inquiries ( Unauthorized or Without Permissible Purpose ) The following inquiries were NOT authorized by me and should not be appearing on my report : XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) These companies did not have my permission or a permissible purpose under the FCRA. 

XXXX. Late Payment Reporting ( Unverified / Inaccurate ) XXXX XXXX XXXX Acct XXXX This late payment is being reported inaccurately and has not been properly validated. 

Request : I am requesting that the CFPB require Equifax to conduct a full, lawful reinvestigation and remove any information that can not be verified with proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I requested my free annual credit reports from the Annual Credit Report website. Experian asked for an authorization code they texted to me, but there was no input box to enter the code. I could not get my Experian report. I went to the Experian website and had numerous issues trying to get my free report without success and could not get any customer service to respond. Next, I tried calling their customer service number, and their AI bot gave me the runaround with looping requests for information and trying to sell me my credit score. It never gave me access to my online credit report. It acted like it was clueless. I see a problem on the TransUnion report that might be identity theft, so I really feel desperate to see my Experian report today. As for TransUnion, I tried to get help about the possible identity theft issue on their website customer service, but there was no way to do it. So I tried calling them and could not get through to a real person either, and the TransUnion AI bot also gave me the runaround with requesting information to be entered over and over again but providing no help or answers. I can not get ahold of anyone, and I've spent hours on this. I am so frustrated and worried, and I do not know how to get help from Experian or TransUnion with this identity theft concern and my reports.

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 2025-12-02 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: CA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
Occurred XXXX Several Large Bitcoin Unauthorized Transactions I complained to Cashapp and was told that I had several complaints documented on my account. ( XXXX and XXXX ) Now I'm told the opposite. 

I filed a claim and wish to be compensated for this from CashappInvesting Security.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX  XXXX TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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 15 USC 1681s-2 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.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

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 2025-12-02 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: PA

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 XXXX.

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 2025-12-02 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: PA

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 XXXX.

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 2025-12-02 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: FL

Complaint narrative:
I am filing this complaint because Experian is reporting accounts that appear inaccurate or unverified. My previous disputes did not resolve the issues. 
Disputed Charged-Off I am questioning the accuracy of the following items : XXXX. XXXX XXXX Acct ending XXXX Reported XX/XX/XXXX Balance : {$720.00} XXXX XXXX XXXX Acct ending XXXX Reported XX/XX/XXXX Balance : {$1000.00} XXXX XXXX Bank Acct ending XXXX Reported XX/XX/XXXX Balance : {$400.00} These accounts show inconsistent details compared to other bureaus. I request that Experian verify the ownership, balance, and dates or remove the accounts if they can not be validated. 

Late Payments The following late payment does not match my personal records : XXXX  / XXXX XXXX Acct ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am requesting verification or removal of this late payment if it can not be fully validated. 

REQUEST TO CFPB : Please require Experian to conduct a full and proper reinvestigation and correct or delete any inaccurate or unverified 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 2025-12-02 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: GA

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing EXPERIAN to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once 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 2025-12-02 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: EQUIFAX, INC.
State: OK

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 XXXX  data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: NY

Complaint narrative:
I am submitting this complaint because Equifax is reporting multiple accounts and information that I believe to be inaccurate, incomplete, or unverifiable under the Fair Credit Reporting Act ( FCRA ). 

I am requesting a full reinvestigation into the items listed below, as I do not believe they are being reported with the correct balance, dates, ownership details, or account accuracy. Some accounts also appear duplicated across bureaus with different dates and numbers, which is an FCRA 607 ( b ) accuracy violation. 

Accounts in Dispute Charged Off XXXX  XXXX, XX/XX/XXXX, {$2600.00} XXXX XXXX XXXXXX/XX/XXXX, {$5100.00} XXXX  XXXX, XX/XX/XXXX, {$4300.00} XXXX XXXX, XX/XX/XXXX XXXX {$3600.00} XXXX XXXX, XX/XX/XXXX XXXX {$1400.00} XXXX XXXX, XX/XX/XXXX XXXX {$0.00} XXXX  XXXX, XX/XX/XXXX, {$5500.00} XXXX  XXXX, XX/XX/XXXX, {$6500.00} XXXXXXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX {$6100.00} XXXX CARD XXXX, XX/XX/XXXX, {$10000.00} XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} Late Payment XXXX XXXX ( not accurate )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I lost my job and for 9 months i've been paying on time with my savings. As that was being depleted, I asked for help from my loan servicing company - ShellPoint Mortgage. I called the loss mitigation dept and three times : XX/XX/year> XXXX & XXXX, XX/XX/year> XXXX and each time I got the same representative who told me that they got rid of their forbearance and deferment options in XXXX and that there was no other options available to me and I should just let my loan default. I can not believe this true. I need help and they rather see me fail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: MO

Complaint narrative:
I transferred money to be deposited in a XXXX trading account. I found out later this was fake internet XXXX account. I was unable to get my assets returned. I notified Discover Bank immediately this was a fraud and asked them to recall the wire transfer. They told me it would take a month or two. When I returned call they refused to recall the wire transfer due to scam or fraud. 
Transfer was done in two amounts, ( XX/XX/year> ) {$520000.00} and ( XX/XX/year> ) {$690000.00}. 
I have filed reports with Missouri XXXX of XXXX and FBI.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am submitting this complaint because Equifax continues to report a collection account from XXXX XXXX on my credit file even though the debt has never been validated and two other credit bureaus have already deleted the account after investigation. 

I exercised my legal right to request debt validation under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. I sent two written validation requests to XXXX XXXX, including a certified letter that was received and signed for. 

The collection agency did not provide any validation of the alleged debt. 
Because the debt was not validated, it can not legally remain on my credit file. 
XXXX  has already deleted the account XXXX  has already deleted the account Equifax is the only bureau still reporting this unverified account, which now constitutes : Failure to conduct a lawful reinvestigation under FCRA 15 U.S.C. 1681i Willful furnishing of inaccurate data under FCRA 616 & 617

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
as followup to the complaint filed with the CFPB, Bank of America had XXXX XXXX team contact me. 
However the representative was clearly not interested in resolving the case or offering solutions, instead defending Bank of America 's injustices, lies, discrimination. 
In the weeks following the reply from XXXX XXXX, I asked for a more seasoned professional or manager to reply, yet it was not ignored. 
Three weeks, three times, denied. 
I want someone who actually is interested in resolving issues, greater better relationships, and moving forward to contact 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 2025-12-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: VA

Complaint narrative:
Hunter Warfield is attempting to collect a rental debt for XXXX XXXX XXXX XXXX, XXXX VA ( account # XXXX ). Myself, XXXX XXXX, XXXX XXXX who was also on the lease, sent a written validation request via email on XX/XX/year> and by certified mail the same day, and again on XX/XX/year>, asking for an itemized breakdown of charges, receipts for repairs, a copy of the lease and move-out statement, and proof that they own or were assigned the debt. They never provided any documentation or response. 

Despite that, the company reported the collection to credit bureaus around XX/XX/year> and has continued to email me about payment. They also began contacting my girlfriend mother, XXXX XXXX, who was removed from the lease over a year before the alleged charges, which violates the FDCPA by communicating with a third party not responsible for the debt. 

I am requesting that Hunter Warfield cease all collection activity, remove this account from all credit reports, and provide proof if they claim to own or service the debt.

Company response to consumer: Closed with explanation