vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: LA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint because Possible Finance is reporting inaccurate information on all three of my credit reports ( Equifax, Experian, and TransUnion ). The information being reported does not accurately reflect my account history, and I have reason to believe that the data being furnished is either unverifiable, incomplete, or incorrect. 
I have attempted to dispute this information with the credit bureaus, but Possible Finance continues to verify the inaccurate reporting. This violates several provisions of the Fair Credit Reporting Act ( FCRA ), including : FCRA 602 ( A ) / 15 U.S.C. 1681e ( b ) : Credit bureaus must ensure maximum possible accuracy.

FCRA 611 / 15 U.S.C. 1681i : Inaccurate or unverifiable information must be corrected or deleted.

FCRA 623 ( a ) / 15 U.S.C. 1681s-2 ( a ) : Furnishers must report complete and accurate information. 
FCRA 623 ( b ) / 15 U.S.C. 1681s-2 ( b ) : Furnishers must conduct a reasonable investigation after a dispute. 
I am requesting that the CFPB investigate Possible Finance for failing to comply with these federal requirements and ensure that the inaccurate information is corrected or removed from my credit reports immediately in accordance with the law. 
Thank you for your attention to this matter. 
Please contact me if additional information is needed. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing this CFPB Complaint to report separate fraudulent accounts appearing on my consumer credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts include : 1. A personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. 2. A personal credit card account opened at XXXX XXXX XXXX on XXXX XXXX, XXXX under the account number XXXX. 3. A personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. XXXX. A personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-11-23 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: MD

Complaint narrative:
I am filing this oversight complaint because Experian has failed to follow federal identity-theft law under FCRA 605B, 611, and 623 ( a ) ( 6 ). 

On XX/XX/year>, I faxed Experian a complete 605B identity-theft packet, including : Police Report # XXXX My government identification My Social Security document Proof of address Full list of fraudulent accounts Written statement requesting an identity-theft block This packet was sent to Experians 605B identity-theft compliance fax number : XXXX. 
Fax delivery was confirmed and received by Experian on XX/XX/year> at XXXX PM EST ( see attached confirmation ). 

Under FCRA 605B, Experian is required to : 1. Block all fraudulent accounts within 4 business days of receiving my identity-theft documentation.

2. Not require any additional documents once a valid police report is submitted.

3. Notify the furnishers to stop reporting the fraudulent data. 

Experian has not completed the required block and continues to report identity-theft accounts, causing ongoing damage to my credit profile, score, and ability to obtain housing, auto financing, and credit. 

What I want as a resolution : I am requesting that the CFPB enforce FCRA 605B and require Experian to : Immediately block all identity-theft accounts I listed Remove every fraudulent tradeline permanently Cease reporting disputed information Correct my credit report Provide written confirmation of the completed 605B block Experian received my documents. They are now legally obligated to block not investigate the fraudulent accounts. 

I am requesting CFPB oversight and enforcement. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Phone : XXXX Email : 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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
credit inquiries that i did not authorized 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 non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Credit Acceptance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Re : Request for Debt Validation To Whom It May Concern, I am writing in response to a notice I received about an alleged debt. This letter is not a refusal to pay, but a notice that your claim is being disputed. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide proper validation of the alleged debt. 

Please provide the following : Proof that I am the person who owes the debt, including the original creditors name and address. 

The amount of the alleged debt, including a full itemized breakdown of fees, interest, and other charges. 

A copy of the original signed contract or agreement that verifies my obligation. 

Proof that your company is legally authorized to collect debts in my state. 

Complete documentation showing the chain of ownership of this debt if it has been sold or transferred. 

Until you provide these documents, please cease all collection activity, including reporting this debt to credit bureaus. If you have already reported it, please mark the account as disputed until validation is complete. 

Please send the requested information to the address listed above. 

Thank you for your cooperation. 

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 2025-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am writing in response to a formal request for validation of the debt, as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide the following information : The amount of the alleged debt, including an itemized breakdown of fees, interest, and other charges. 

The name and address of the original creditor. 

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

A copy of the original signed contract or agreement showing that I am legally obligated to pay. 

A complete chain of custody if the debt has been sold or transferred. 

Proof that the statute of limitations for collecting this debt has not expired. 

Until you provide the requested validation, stop all collection activities and do not report or verify this debt with any credit reporting agency. If you have already done so, please inform them that the debt is disputed. 

Please note that I am requesting all communication be in writing only. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: NY

Complaint narrative:
I discovered two incorrect previous addresses listed on my credit report that do not belong to me. Additionally, there were multiple unauthorized hard inquiries from creditors, dated between XX/XX/XXXX, and XX/XX/XXXX, which I did not initiate or authorize. These included inquiries from entities such as a major credit card issuer ( multiple instances ) and lending companies. On XX/XX/XXXX, I sent a written dispute to the credit reporting agency, requesting immediate removal of these fraudulent items under relevant FCRA provisions, including requirements for accuracy, reasonable investigations, and deletion of disputed information. To date, the agency has not confirmed removal or provided any response, and the items appear to remain on the report, potentially violating consumer protection laws. No amounts were specified in the disputes, as these were inquiries rather than open accounts with balances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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: MI

Complaint narrative:
I need to see original CONTRACTS SIGNED FROM ME DATE OPENED AND CLOSED, show me any dealing I have with your entity I have never done business with you or any this company is claiming. 

To Whom It May Concern : I am formally disputing the accuracy and validity of a collection account appearing on my Experian credit report. The details of the account are as follows : Collection Agency : XXXX XXXX XXXX XXXX XXXX Account Number : Ending in XXXX Reported Balance : {$3600.00} Under the Fair Debt Collection Practices Act ( FDCPA 809 ), I requested full debt validation from XXXX XXXX XXXX XXXX XXXX. They failed to provide : 1. Proof that I legally owe this debt 2. A contract or agreement with my signature 3. A complete chain of title showing ownership transfer 4. An itemized breakdown of the balance 5. Any documentation verifying accurate reporting Because the furnisher has not validated the debt, the information being reported is unverified, inaccurate, and incomplete, which violates : FCRA 607 ( b ) Duty of maximum accuracy FCRA 611 ( a ) Duty to reinvestigate disputed information FCRA 609 ( a ) Right to information being reported FCRA 602 ( a ) Protection from inaccurate or unverified data I am requesting that Experian : 1. Conduct a full reinvestigation 2. Request complete validation from the furnisher 3. Delete this account entirely if proper validation can not be provided If the information can not be verified, please remove the account within 5 days and send me an updated credit report showing the correction. 

Thank you for your immediate attention to this matter. 

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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
XX/XX/year>, LVNV Funding LLC, Amount {$2600.00} I sent a dispute letter asking for a Method of verification. Chain of custody, Forward Flow Agreement, Original Contract, Bill of Sale, Transfer of Assignment and Proof of Ownership. I have not received any of this information as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: AR

Complaint narrative:
XXXX XXXX  closed my bank account because I filed fraud on my account at PNC Bank. PNC bank has made it to where I cant open a new account. I would like to know how to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: SC

Complaint narrative:
My Cash App account was permanently disabled without a clear explanation, even though I have never violated any terms of service. After the account was disabled, Cash App removed all functions from my profile, preventing me from using the app at all. I was instructed to submit an appeal, which I did, but I only received the same generic automated response with no real review of my case. 

Because the app was completely unusable, I closed the account. After closing it, I discovered that I am permanently banned from ever creating another account. This has left me with no explanation, no transparency, and no opportunity to correct or clarify anything. I am requesting : 1. A real, manual review of my appeal 2. A clear explanation for the permanent ban 3. Reinstatement of access if no actual violation occurred. 

I am fully willing to provide any additional information or verification required. I believe this decision was made in error, and I simply want fairness and transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I write as a documented victim of identity theft arising from both the XXXX  and XXXX XXXX  data breaches. Your agency continues to furnish and report demonstrably fraudulent trades lines. Your obligations under FCRA 1681c-2 to expunge identity-theft information are absolute upon my written notice. Your prior letter admitting you couldnt expunge fraudulent entry constitutes either willful non-compliance or gross negligence of your statutory duties. I will use that refusal as evidence of willfulness to pursue punitive damages. I never authorized the account ; they are fraudulent. These unauthorized tradelines are : 1. XXXX XXXX Account ending # XXXX, Bal {$69000.00} ( Fraud Commenced XX/XX/XXXX ) 2. XXXX XXXX / Account ending # XXXX, Bal {$20000.00} ( Fraud Commenced XX/XX/XXXX ) 3. XXXX XXXX XXXX/ Account ending # XXXX, Bal {$32000.00} ( Fraud Commenced XX/XX/XXXX ) 4. XXXX XXXX Account ending # XXXX, Bal {$9800.00} ( Fraud Commenced XX/XX/XXXX ) I also request to be prohibited from reinserting any disputed information that was previously deleted for lack of verification unless they can provide documented proof of accuracy. This repeated violation of federal law has caused me significant stress and has damaged my ability to obtain credit on favorable terms.

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 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I contacted chime customer support on XX/XX/2025 and report that all the transactions from XXXX XXXX to the morning of the XXXX at XXXX were not made by me, and the original person who i spoke to told me that the transaction were still pending and since i reported it before they were settled that all I had to do was wait until they did settle and at that point I would be able to dispute the charges and since i had immediately called before they settled that it would be noted in his report and my money would be refunded immediately. The charges were all made without my pin and they approved a transfer of XXXX dollars through the XXXX XXXX program by accounts that were not in my name nor were they ever used before. Because XXXX XXXX makes you use your name to make an account i was able to find the names of the people who transferred themselves money from my account. This allowed me to create a police report, however, chime took so long to make my account statements available that the XXXX XXXX sheriff 's department was basically not interested in the situation by that time and they didn't allow me to use the screenshots of the app to use as evidence. Chime eventually told me that because the money went to XXXX XXXX that it was an issue to take up with them, which is the same thing XXXX XXXX told me about chime. The way I see it chime allowed the transfers and transactions without pin or anything and then the random transfer of over half of my paycheck to unknown people whom I had absolutely no history with. XXXX XXXX is also partly responsible as they allow people to steal someone's debit card and link to their account with no form of verification. Both companies are responsible but ultimately chime allow it to happen and i immediately reported the situation and they didn't do anything even when I gave them the police report. They have also altered some of the dates and details and times on the documents they sent me to make it appear as though I had not contacted them in time or that the transactions had settled before I had reported it to them which is also untrue and they claim they have no records of the support staff i had spoken to when originally reporting to them of the fraudulent activity

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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 a Texas consumer and a victim of identity theft and national credit bureau data breaches ( XXXX  Experian and XXXX  ). Your agency continues to report fraudulent and inaccurate tradelines on my consumer credit report despite multiple disputes. These include : A. XXXX XXXX  : # XXXX : Fraudulently opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX : Fraudulently opened XX/XX/XXXX XXXX XXXX XXXX : # XXXX : Fraudulently opened XX/XX/XXXX Despite my repeated disputes, your agency has failed to conduct a reasonable reinvestigation, continues to report these accounts as valid, and has not provided documentation verifying their accuracy. 
Violations Alleged Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy.

1681i : Failure to conduct a reasonable reinvestigation within 30 days.

1681n : Willful noncompliance.

1681o : Negligent noncompliance.

Your continued reporting of fraudulent accounts despite notice and dispute is unlawful under the FCRA and constitutes unfair and deceptive practices. I request the CFPB to enforce my rights and protect other consumers from similar misconduct.

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 2025-11-24 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 am sending to formally dispute several accounts on my credit report related to student loan accounts that are being reported inconsistently. The information reflected in my report does not accurately represent my payment history or balances. I am submitting this letter in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ) to ensure my credit file accurately reflects verified and truthful information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3200.00} Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2400.00} Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$19000.00} Date Opened:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3100.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
cashapp closed my account, i dont understand what i did but thats not my complaint. My complaint is that i can not sell my stock because of this, it just says i ran into a hiccup and when i reach out to support they day theres nothing they can do and that the stock company will reach out to my email within 30 days but they never do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XX/XX/XXXX Under U.S.C. Sec 15 1681,1682,1683,1684, ( a, b ) 10298g, within FCRA rights and requirements the attached items must be removed immediately. These items are a grave violation to my consumer credit report under FCRA U.S.C Sec 15 1681 which explains if an item can not be verified 30 days from receipt ( late payment, 1099c form from collection agency, printed copies of a persons signature and if this can not be validated under FCRA within 30 days from receipt the items must be removed. A counter lawsuit will be issued if deemed any credit bureau is in VIOLATION of my FCRA USC Sec 15 laws at any point. 

Sincerely, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1200.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$12000.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$330.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$1300.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} * * Inquiries * 8 XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/

Company response to consumer: Closed with explanation