vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX  days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX  days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX  days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: AZ

Complaint narrative:
b'I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report. I have identified several significant discrepancies that do not accurately reflect my actions or financial history. Specifically, these inaccuracies were made without my consent. I kindly request your investigation and removal of the following items:\n\nNames: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXAddress: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquiries: 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 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 XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Debt Collector trying to collect Debt on XXXX credit cards when I explain I'm on ssi and ssdi was still pushing me to set up payment plans. Felt scared and I am mentally disabled.Received municipal court summons on XXXX and was told id be sued fir the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is not a mistake my credit report contains inaccuracies that are not assured to be maximally accurate. These errors are severely impacting me in ways that are unacceptable, and I demand they be corrected or removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have asked Trans Union, XXXX XXXX XXXX credit reporting bureaus to use FCRA 605B ( 15 U.S.C. 1681c-2 ) to block the reporting of any information in file of that I have identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency as of XX/XX/2025.

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 2025-11-16 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: Open Dealer Exchange, LLC
State: MN

Complaint narrative:
I hereby request that this financial institution remove any hard inquiries on my credit reports with XXXX, XXXX, and XXXX XXXX respectfully. My reason is not based upon any fraudulent activity of any kind. My reason is purely based upon the laws of duplicity from a civil perspective. In each of these hard-hit inquiries I was also reviewed on credit from a soft pull inquiry. In that capacity, what was the legal reasoning on looking over my credit once again where the information is the same. These hard hit inquiries have hindered me from acquiring fair credit offers, thus causing financial hardship. The inquiry or inquiries showing up as a hard-hit must in all fairness be deleted. In addition, whenever I applied for a vehicle loan, several companies filed multiple hard inquiries against my credit report. This is without getting direct authorization from me personally, but from a car dealership. Without direct authorization, the credit hard hit is essentially a pure violation of the Fair Credit Reporting Act and does not pass the Legitimate Business Need smell test. Accordingly, I demand the deletion of all hard inquiries. ALL HARD INQUIRIES MUST BE DELETED ACCORDINGLY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP
State: MO

Complaint narrative:
I am filing a complaint about my recent experience at a U.S. Bank branch when attempting to open an account for my daughter. I had a confirmed appointment for Saturday at XXXX a.m., which was suddenly cancelled without my consent while we were en route. When we arrived, the banker ( XXXX XXXX initially appeared displeased to see us and stated that someone had called to cancel our appointment, although no one in my household made such a call. 
During the appointment, the banker unexpectedly asked, Are you a citizen? before verifying identification, which I found inappropriate and concerning. When I provided my daughters Social Security card as instructed, he refused to proceed and told me to reschedule the appointment on my own phone rather than assisting us directly. 
As we left, my family struggled to open the branch door while the banker observed but did not offer help. This interaction left me feeling unwelcome and possibly discriminated against because of my XXXX appearance. I am requesting a review of this incident and clarification on whether such conduct complies with U.S. Banks customer service and anti-discrimination policies.

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 2025-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: IL

Complaint narrative:
In XXXX, two Discover credit card accounts were opened fraudulently in my name with balances of approximately {$2500.00} and {$1700.00}. I did not apply for or authorize these accounts. I filed multiple police identity-theft reports and an FTC Identity Theft Report and sent fraud disputes to Discover and the credit bureaus. 



Discover received this documentation but continued to verify both fraudulent accounts as accurate during credit-bureau investigations. The accounts were deleted and then reinserted by the bureaus based on Discovers repeated verification. 



When I contacted Discover directly in XXXX, a representative informed me that Discover closed both accounts because they could not verify my identity. Despite this admission, Discover continues to verify and furnish these accounts to the credit bureaus as if they belong to me. 



Discover has not provided any signed application, identification, or documentation linking me to the accounts. They continue reporting identity-theft accounts even after receiving police reports, FTC reports , and written disputes. I am requesting CFPB assistance because Discover is knowingly furnishing and verifying fraudulent accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am a victim of identity theft on XX/XX/XXXX i sent this furnisher a complete identity theft package under FCRA 623 including my ftc identity theft report government id proof of address and a highlighted credit report showing the fraudulent account they are reporting This furnisher is in violation of FCRA 623 because they failed to delete the fraudulent account and continued to furnish inaccurate information to the credit report agencies they either ignored my request or verified the account without providing any proof that i opened or authorized it. 

under FCRA 623 furnishers must investigate and remove fraudulent information cease reporting to CRAS and notify each CRA to remove it XXXX acct ending in XXXX reported balance {$3800.00} status : [ Collection/Charge-off/Late pays ] XXXX XXXX XXXX XXXX acct ending in XXXX reported balance {$820.00} status : [ Collection/Charge-off/Late pays ] XXXX acct ending in XXXX reported balance {$3300.00} status : LATE PAYMENT * * * * Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX acct ending in XXXX reported balance {$0.00} status : [ Collection/Charge-off/Late pays ] MIDLAND CREDIT MANAGEMENT acct ending XXXX reported balance {$1300.00} status : [ Collection/Charge-off/Late pays ] XXXX XXXX XXXX acct ending in XXXX reported balance {$710.00} status : [ Collection/Charge-off/Late pays ] XXXX XXXX acct ending in XXXX reported balance {$440.00} status : [ Collection/Charge-off/Late pays ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The account that was opened it was under false claim that would not be a hard inquiry only soft one This is a violation of the fair credit reporting act Section 1681b ( c ) which constitutes a fraudulent activity and a serious breach of my privacy rights Please remove XXXX account from my credit report Thank You

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 2025-11-16 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: NY

Complaint narrative:
A regular merchandise payment was processed as a wire transfer without my consent, and Capital One refused to waive the fees nor dispute the charge. The Capital One agents whom I spoke to were extremely unhelpful, rude, demeaning, and wasteful of time. I was transferred from a general agent, to a dispute agent, then the supervisor. The supervisor was the worst of all, offering no resolution other than repeating that this false type of transaction ( as it was meant to be a regular purchase, not a wire transfer ) was indeed a wire transfer. I know the type of purchase transaction I followed through on the merchant website and it was not a wire transfer. They were not listening, put zero effort and energy into solving my issue. 

For full context, I made multiple merchandise purchases on XXXX ( registered as XXXX ) on XX/XX/XXXX, XXXX, XXXX, and XXXX with amounts of {$25.00}, {$11.00}, {$33.00}, and {$14.00}. This was done through XXXX, through which I selected my Capital One credit card in my XXXX wallet to pay with. Once the transaction was posted on my account, there was a cash advance fee of {$5.00} for each transaction as well as an interest rate of 28 % on a transaction which was not a consensual wire transfer to say the least. 

I had contacted XXXX initially even to confirm whether the transactions were purchases or wire transfer of any sort, they had confirmed they were regular purchases and not wire transfers from their end. Capital One did nothing to resolve this false purchase encoding that will reflect poorly on my credit history. XXXX confirms that on the system it shows up as regular purchases so there is an internal issue somewhere and Capital One refused to offer assistance. Expecting me to be a victim of all these charges which I didnt consent to, as I didnt consensually initiate a wire transfer in any way or form.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed inaccurate or incomplete reporting with Experian for my XXXX XXXX account ( Acct # first XXXX XXXX ). The Date of First Delinquency ( DOFD ) is not listed on my Experian credit file. Experian verified the account without providing or confirming the DOFD. The furnisher verified unrelated fields such as closed date, scheduled payment, and date of last payment. The DOFD, which is central to the dispute, remains missing. Under FCRA 623 ( a ) ( 5 ), furnishers must report the month and year of the DOFD for charged off or collection accounts. Verification without reporting the DOFD does not satisfy the FCRAs accuracy and completeness requirements. I previously disputed this account with Experian in XX/XX/year>. Each time, the DOFD remained unverified and was not addressed in the results. Dispute results dated XX/XX/year>. Experian shows processing in XXXX XXXX Credit report dated 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 2025-11-16 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-11-16 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX - Balance : {$4300.00} - Date Opened : XX/XX/XXXX XXXX XXXX - XXXX : {$5600.00} - Date Opened : XX/XX/XXXX XXXX XXXX - XXXX : {$710.00} - Date Opened : XX/XX/XXXX INQUIRIES : XXXXXXXX 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 explanation
Consumer complaint received 2025-11-16 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: DE

Complaint narrative:
XXXX XXXX XXXX  extended credit under my identity to another. Its showing the n my credit report, they were asked to remove but instead just closed card and continued to report delinquency on my report.

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 2025-11-16 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: DE

Complaint narrative:
XXXX XXXX XXXXXXXX extended credit under my identity to another. Its showing the n my credit report, they were asked to remove but instead just closed card and continued to report delinquency on my report.

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 2025-11-16 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: DE

Complaint narrative:
XXXX XXXX XXXX extended credit under my identity to another. Its showing the n my credit report, they were asked to remove but instead just closed card and continued to report delinquency on my report.

Company response to consumer: Closed with non-monetary relief