vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4800.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5500.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XX/XX/year>

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 2025-06-04 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: GA

Complaint narrative:
On XX/XX/year>, I submitted a formal identity theft dispute to Experian via CFPB ( Ref # XXXX ), including FTC Reports XXXX XXXX and # XXXX, a signed affidavit, and all required identity documents ( drivers license, Social Security card , utility bill ). On XX/XX/XXXX, Experian responded to the CFPB complaint with a status of in progress, but did not block any of the disputed information within the 4-business-day requirement under FCRA 605B.

Experian improperly treated this as a normal reinvestigation, which is a direct violation of 605B, where creditor verification is not required. I also submitted disputes directly through the Experian portal referencing the CFPB complaintstill no resolution or timely action. 

My file shows data contamination from multiple national data breaches, profile merges, and unauthorized activity. I have not lived with any immediate family members in over 20 years, yet names, addresses, and employment records tied to relatives or unrelated parties appear on my report. I only became aware of this after being denied financing and checking my credit.

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 2025-06-04 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: AZ

Complaint narrative:
on XX/XX/year> I was scammed on the XXXXXXXX XXXX as a seller. I posted my first gig and got a client message stating it was my first client and that in order to receive payment I needed to verify my account information. I clicked the link provided within the message ( which seemed like a legitimate XXXXXXXX XXXX ) and followed the onscreen instructions to verify my account information. I proceeded to put in all of my cash app card info including the XXXX I input how much money was on the card, and they told me they wouldn't charge the card but authorize a payment that would then be cancelled before charging to prove my account was a real account. I was then prompted to scan a QR code through cash app and I did that and XXXX took {$310.00} from me. I contacted cash app on several occasions since then to which they told me it was denied and that they would send me an email stating why. I waited days for an email and on XX/XX/XXXX I received one stating " After further review, it appears that this transaction was authorized by you, or someone you authorized to use your credentials, and no error occurred. As a result, your dispute has been denied. You can reach out to Support for the documents we relied on to make this determination at any time. '' I just tried disputing it again and again to no avail. I have no other options at this point and I'm truly desperate for my hard earned money back. Everyone I speak to says that cash app will be sending my denial email. They don't go into detail nor do they accept my proof as they do not understand phishing links. They also only have a few set of questions that they ask to base your dispute on, so I was not able to communicate a lot of this stuff to them, nor did the chat operators care to investigate. I wish I knew the actual company/people that scammed me but the ones I provided are the companies that either tried charging my card and ended up charging my card through cash app, so I did my best to provide all the accurate information with what I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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 writing to let you know that Ive been a victim of a data breach or fraud, as outlined in FCRA S

ections 605B, 615 ( f ), and 623 ( a ) ( 6 ). Im formally requesting the permanent removal of any fraudulent accounts and incorrect addresses from my credit report. Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX/DOFED Account number : XXXX Date opened : XX/XX/XXXX Balance : XXXX Account name : XXXX/DOFED Account number : XXXX Date opened : XX/XX/XXXX Balance : XXXX Account name : XXXX/DOFED Account number : XXXX Date opened : XX/XX/XXXX Balance : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX : XX/XX/XXXX Balance : XXXX Account name : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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 explanation
Consumer complaint received 2025-06-04 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: NM

Complaint narrative:
I am formally requesting that your agency comply with the Fair Credit Reporting Act ( FCRA ) concerning the persistent mishandling of my credit report. Despite multiple disputes filed, you have failed to remove fraudulent accounts not belonging to me and continue to report unverifiable information. 

This behavior violates federal law and infringes on my consumer rights. The accounts listed below were fraudulently opened due to identity theft. Although I have submitted several dispute letters seeking their removal, your responses have been vague and insufficient, failing to meet the legal standards mandated by the FCRA. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally required to conduct a thorough investigation upon receipt of a consumer dispute. Your ongoing use of generic form responses, without providing original documentation validating the debts, constitutes noncompliance.

Additionally, 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to ensure the highest possible accuracy in reporting. Your failure to correct these inaccuracies reflects a reckless disregard for your legal obligations.

You have 30 days from the date of this letter to provide the following : Original and complete verification documents from the creditors validating the accountsnot generic or template responses ; A detailed report of the investigation conducted, outlining every step taken ; The names, job titles, and contact information of the individuals responsible for reviewing and responding to my dispute ; Written confirmation that all unverifiable information has been permanently removed from my credit report as required by 15 U.S.C. 1681i ( a ) ( 5 ).

Should you fail to provide a satisfactory response within this timeframe, I will initiate legal action. This will include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California State Attorney General. I will also pursue litigation under 15 U.S.C. 1681n for willful noncompliance, seeking statutory damages, punitive damages, attorney fees, and costs.

The following accounts are fraudulent, with confirmation from the respective financial institutions that they should not be linked to my credit file. Please promptly remove these accounts or provide valid verification if you choose to continue reporting them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: WA

Complaint narrative:
I am writing to formally dispute an account listed on my credit report and to request a full validation of the debt in accordance with the Fair Credit Reporting Act ( FCRA ). 

I do not recognize this debt and request that you verify its accuracy and provide the following : 1. The original creditors name and address 2. Documentation showing I agreed to the debt 3. The complete payment history 4. A copy of the signed contract or agreement, if available 5. A statement of how the amount was calculated Until you have fully verified and validated this account, I request that it be marked as disputed on my credit report.

If the account can not be verified, I ask that it be removed from my credit file in accordance with the FCRA. 

Please conduct your investigation and provide written confirmation of your findings within 30 days, as required by federal law. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OH

Complaint narrative:
A XXXX XXXX XXXX  known as XXXX XXXX also known to XXXX  was open without my knowledge and address on file went opened what I am not associated with

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
This letter serves as a final and formal demand for action regarding your inaccurate and unverified reporting of a late payment to XXXX XXXXXXXX 2025 * XXXX, * XXXX 2025 * or XXXX, * XXXX  2025 * ( ONLY ON THE DATE OF THE REPORT CAN WE APPRECIATE YOUR INACCURACY. ) You responded to my previous dispute with the claim that the account was verified However, I did not request validation or accuracy. I explicitly requested the legal basis and supporting documentation required by law to classify the payment 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 explanation
Consumer complaint received 2025-06-04 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 demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX/XXXX/202 XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>

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 2025-06-04 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX/XXXX/202 XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>

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 2025-06-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
What l cant understand after closet my account on capital one they still accepting debit on the account and send letters one behind another that my account get negative balance after the account has been closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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 demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
All my private and personal information was exposed by third party and companies unauthorized to run my credit. Companies I don't even have knowledge of in fell to provide legitimate proofs of verification. Writing nasty messages on my credit report and reporting false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
LVNV Funding is inaccurately reporting an alleged debt of {$1500.00} to XXXX XXXX XXXX, while providing no proof of ownership, no original contract, no chain of custody, and no supporting documentation whatsoever. This is a third-party debt buyer with a known history of poor documentation and verification failures. 

The account is listed as being opened on XX/XX/year>, with the original creditor stated as XXXX XXXX XXXX XXXX XXXX XXXX. However, no legally sufficient evidence has ever been provided to substantiate this balance. 

I submitted a formal dispute directly to LVNV Funding through their portal and demanded full validation under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). I also issued a formal cease and desist notice due to their inability to prove ownership of this debt. 

Despite being given the opportunity to validate, LVNV Funding has continued to report this account to XXXX XXXX XXXX in violation of : FCRA 1681s-2 ( a ) Reporting inaccurate or unverifiable information FCRA 1681i ( a ) Failure to reinvestigate disputed data FDCPA 809 ( b ) Failure to validate a disputed debt FCRA 1681e ( b ) Lack of reasonable procedures to ensure maximum possible accuracy I am requesting that the CFPB compel LVNV Funding to immediately delete this unverifiable debt from all credit bureaus and confirm in writing that no further attempts to collect or report this debt will occur. 

This is a willful act of noncompliance, and I am requesting a full investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
PayPal Inc. went to debt collection to collect a debt that was paid off before closing PayPal account and want a debt to scam me. PayPal account could not be closed unless all balances are paid off, and I paid off during that time. After all payments were made then PayPal closed the account. After account is closed, they went to debt collection to collect payments that was paid before account was closed. Wherever, they get this debt is coming from others or trying to collect money off me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: TX

Complaint narrative:
I am filing this complaint because a consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a detailed explanation of the reinvestigation process. Specifically, I requested information describing the steps taken to verify the disputed data, the name, address, and telephone number of the data furnisher, and any documentation relied upon to justify the continued reporting of the item.

To date, the agency has not provided any of the requested information. This lack of disclosure contravenes the transparency and accountability standards established by the FCRA and raises serious concerns regarding the accuracy, completeness, and integrity of the reinvestigation. The agencys noncompliance may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and may expose it to civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: IA

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 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 2025-06-04 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 a victim of identity theft, and I am writing to formally raise my concerns regarding the lack of action taken by the credit bureaus in response to my disputes. This is now the third time I have submitted disputes concerning fraudulent and inaccurate information on my credit report. 

Despite waiting more than 30 days, the credit bureaus have failed to properly investigate or remove the disputed items. I have followed the correct procedures each time and submitted supporting documentation, yet there has been no meaningful response or resolution. 

This ongoing issue has caused me significant stress, anxiety, and a sense of hopelessness. It is deeply frustrating and emotionally draining to continuously fight for the correction of information that I did not authorize or create. 

I am requesting immediate intervention from the CFPB to ensure that the credit bureaus take my case seriously and fulfill their legal responsibilities under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief