vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-18 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I did not authorize this inquiry, and I had no communication with the lender on that date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am raising this dispute because unauthorized and inaccurate accounts have been added to my credit report without my consent. I did not open or authorize these accounts, and I never received any notice of their addition. The fact that these accounts are being reported differently by each bureau is deeply concerning and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires that consumer reports be accurate and reliable.

This also breaches 15 U.S.C. 1681i, which requires that disputed items be investigated and corrected or deleted within 30 days, and 15 U.S.C. 1681g, which grants consumers the right to complete and accurate disclosures of their credit data.

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 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
My credit reports false Info saying Im deceased I wasnt born in XXXX I was born in XXXX identity theft things on my report is false

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 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
My credit reports false Info saying Im deceased I wasnt born in XXXX I was born in XXXX identity theft things on my report is false

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 2025-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
early XXXX- no explanation provided as to why my {$50.00} XXXX XXXX was secretly charged as a cash advance instead of a regular charge. 

Aug- why XXXX charged me extra for a plane ticket to XXXX . I gave cap1 a copy of the price screenshot and itinerary, but CC company is refusing to dispute the difference. 

XXXX- an unrecognized trans from XXXX was charged back to my account. Cap1 claims that I made the charge even though they refuse to provide proof such as a receipt. I can't recall the charge and reported it as fraud to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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:
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 there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: PA

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

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 2025-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
I made a payment of {$1800.00} dollars which processed on XX/XX/XXXX. When signing in to my Aidvantage  account today I see another {$1800.00} dollar payment that only appeared today ( XX/XX/XXXX ) showing as processing and stating the payment was made on XX/XX/XXXX as well. I reached out to chat who stated they saw the double charge as well, but stated they could not resolve the issue and only that they would escalate the issue to see why it occurred. This forced me to contact my bank and setup a payment stop so my account was not over drafted due to Aidvantage 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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 mailed dispute letters to Experian over XXXX  days ago to challenge inaccurate and fraudulent accounts that are appearing on my report. Along with my dispute, I submitted an Identity Theft Report to verify my claim. However, despite the supporting evidence and the time that has passed, no action has been taken to correct or remove the disputed information. It seems Experian did not properly review or investigate the documentation I provided, which violates 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 2025-10-18 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: CA

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 there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
XXXX $ they keep changing the date to stay on my credit report most recently it say XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year> The cbe group XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Demand for Immediate Validation of Alleged Debt Cease Reporting Until Fully Validated To Whom It May Concern, This letter is to inform you that I dispute the validity of the alleged debt you claim I owe. Let me be absolutely clear : I do not recognize this debt, and no proof has been provided to substantiate it. You are now in direct violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by continuing to attempt collection and/or reporting this alleged debt without proper validation. 

Pursuant to 15 U.S. Code 1692g ( FDCPA ), I am demanding that you provide the full validation of this alleged debt, which includes, but is not limited to : XXXX. A complete accounting of the debt and how the amount was calculated. 
XXXX. A copy of the original contract or agreement bearing my signature. 
XXXX. Proof of your legal right to collect on this debt, including chain of custody from the original creditor to your agency. 
XXXX. Name and address of the original creditor. 

Let me be absolutely clear : A generic statement or printout from your system is not sufficient. 
A vague letter claiming I owe something without documentation will be treated as an FCRA and FDCPA violation. 
Continuing to report this unvalidated debt to any credit bureau is a direct violation of 15 U.S. Code 1681s-2 and will not be tolerated. 

Until and unless you provide full and complete validation as required by law, you are to CEASE ALL COLLECTION ACTIVITIES, including reporting this unverifiable debt to any credit reporting agencies. 

If you fail to comply with this request within XXXX  days of receipt of this letter, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I am also fully prepared to take legal action for violations of the FDCPA and FCRA, and to pursue statutory damages to the fullest extent of the law. 

You are now on notice. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: NJ

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute certain inaccurate information that appears on my credit report. I recently obtained a copy of my credit report and discovered entries that are incorrect and do not belong to me. These inaccuracies have negatively impacted my credit score and have hindered my ability to secure financing for a home. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute information I believe to be inaccurate or incomplete. I am requesting that your agency conduct a reasonable reinvestigation of the following items and remove them from my credit report if they can not be verified : [ List each disputed item here, including the creditor name, account number, and the nature of the inaccuracy. ] These entries are not only inaccurate but also constitute a defamation of my character and have caused me financial and emotional distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I sent multiple certified letters and emails to Portfolio Recovery Associates in XXXX and XX/XX/year> offering to settle the accounts in good faith. They failed to respond or validate the debts. Despite my attempts, the accounts are still reported inaccurately on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
They want more money for this car loan. I cant get out off because they charge more money for the vehicle is not worth it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: WI

Complaint narrative:
XXXX $ out on my credit report and dates have been changed to stop from dropping off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: GA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 10006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently

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 2025-10-18 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: NC

Complaint narrative:
XXXX, has recently shut down. My credit is impacted by this closure due to reporting my account as negative however this account has been paid in full

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 2025-10-18 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: NC

Complaint narrative:
XXXX, has recently shut down. My credit is impacted by this closure due to reporting my account as negative however this account has been paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Portfolio Recovery Associates began reporting an alleged XXXX XXXX. account ( Reference ending in XXXX, balance {$6700.00} ) to the credit bureaus without ever providing me the required written notice of debt and right to dispute. 

Under the FDCPA ( 15 U.S.C. 1692g ( a ) ), a collector must send a written notice within XXXX  days of the first communication. I never received this notice, nor did I receive any information about my right to dispute within XXXX  days. 

On XX/XX/year>, I sent a formal written demand for validation and proof of ownership of the alleged account. My letter requested a copy of the original signed contract, complete payment history, and proof of assignment. To date, the company has not provided validation. 

Despite this, Portfolio Recovery has continued to furnish and verify negative information with XXXX, XXXX, and XXXX. This constitutes unlawful collection and reporting activity in violation of FDCPA XXXX and FCRA XXXX. 

I am requesting that the CFPB require Portfolio Recovery Associates to : Cease all collection efforts, Remove/delete the unvalidated tradeline from my credit reports, and Confirm in writing that the account is unverified and closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc.
State: OH

Complaint narrative:
I do not have a purchase agreement with United Collections Bureau , Inc. Therefore, I requested that they provide the original purchase agreement to verify that the debit they are attempting to collect is owed to them. Furthermore, per 15 U.S. Code 6802, ( b ), ( 1 ), A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. I am requesting that United Collection Bureau , Inc. ( UCB ) provide documentation to confirm that they are an affiliated entity of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
The total amount stolen was {$5800.00} done basically every XXXX minutes at {$500.00} at a time. I reported this both on XX/XX/XXXX when the fraud took place to XXXX who admitted it was fraud but it was pending and not posted yet. I reported it to Cash App the same day and both admitted XXXX and Cash App admitted it was fraud and I did not know this person or entity and my money would be refunded in XXXX days. XXXX was able to get me back {$2500.00} of the money stolen but so for the rest is still pending. I sent a demand letter to Cash App in XXXX, reported it to XXXX, Broward county Sheriff department, identity fraud and XXXX. If XXXX and Cash App does not return me the difference stolen from me, I will be taking Cash App to small claim court and asking for the money owed plus mental anguish for a XXXX man and court costs. Cash App has made it so hard for me to resolve this and make me go away and I will not go away. They need to remember the XXXX fined them {$170.00} XXXX for lack of security and protecting their clients. Next will be small claim courts and I know now who to serve the Block Inc/Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I am requesting that my complaint ( Ref. No. XXXX ) be reopened based on new and materially significant evidence contained in Comenity Banks most recent written response.

Comenity stated that they are attempting to purchase [ my ] account back from XXXX XXXX XXXX XXXX XXXX. This admission directly contradicts their claim that no error or violation occurred. If Comenitys records and authorization were valid, there would be no reason to repurchase the account. Their decision to buy it back suggests internal recognition that the sale to XXXX was improper or based on fraudulent documentation. 

Additionally, Comenity has not provided a verifiable, original wet-ink contract showing that I authorized any third-party debt consolidation company. They continue to rely on a digital signature document dated XX/XX/XXXX, yet my account remained open, active, and in perfect standing until XXXX. This timeline proves that no such authorization could have existed. 

Their contradictory actions, continued reporting of false information, and failure to provide legitimate proof of authorization demonstrate potential violations of : - FCRA 623 ( Furnishing Inaccurate Information ) - FCRA 605B ( Failure to Block Identity Theft-Related Information ) - FDCPA 807 ( False or Misleading Representation of a Debt ) This new information demonstrates that Comenitys prior response was incomplete and misleading.

Company response to consumer: Closed with monetary relief