vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I tend to keep my balance at XXXX, or either pay it to XXXX near the due date. At the time, I believed my account had a XXXX balance, and was unaware that a XXXX fee was charged to my account from them. As a result, I did not know I had to make a payment and I received a XXXX late payment due to it. When I called them to explain the situation, they told me that they removed the late fee and brought my account current, but I would need to call the credit bureaus to have the late payment removed. Upon speaking to the credit bureaus, I was told that the only way to get the late payment removed was for XXXX Bank to do so. I have been going back and forward since to no avail. I then asked XXXX Bank if they can provide me something in writing stating that they had removed the late charge but they can not.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
When I applied for XXXX XXXX  credit card in XXXX mall store. I have no memory applying for the account XXXX XXXX XXXX. I closed the card XX/XX/XXXX requesting every thing with that card account ending # XXXX be closed cause I applied with XXXX XXXX XXXX to pay this card off as with my other credit cards. Account assured agreed to contract with XXXX XXXX XXXX payment of {$15.00} a month but account XXXX was taking {$11.00} of the payment while the card was closed. I wish to be refunded for all the months of account XXXX  taking my money. 
This was open since XXXX and I closed the account on XX/XX/XXXX. Account XXXX  # XXXX. They have robbed me and I would like a refund to bring my balance down and pay this card off. XXXX XXXX will not handle this situation you have to contact account XXXX XXXX # XXXX my account ending {$1700.00}. Will up load documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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 2025-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
To : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Subject : Request for Validation and Investigation of Alleged Debt To Whom It May Concern, This letter serves as a formal request under the Fair Credit Reporting Act ( FCRA ) for the investigation and validation of a debt currently reported on my XXXX  credit report.

Please provide : Verification of the debt from the data furnisher ; Documentation from the original creditor showing I am legally obligated to pay ; A complete accounting of the debt and its origin ; Proof of authorization to report this account under my name. 

If you can not provide sufficient evidence of the debts accuracy, I respectfully request its immediate removal. Please confirm your findings in writing within the 30-day investigation period. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This letter serves as notice that my credit report has fraudulent accounts due to a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: WA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XX/XX/year> this credit company stated I opened up and account with them and my identity has been stolen I spoke to them told them It was not me I also have a police report stating my passport and identity was stolen. Spoke to XXXX XXXX was stole to file a complaint. The credit company is called Midland Credit Management Inc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Today, XX/XX/XXXX, I received a call from XXXX XXXX  asking me if I applied for a credit card with an additional person. They identified the last XXXX digits of my social security number. They then told me that XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, XXXX was the applicant using my information. His application for the card was sent XX/XX/XXXX at XXXX. 

I asked that the XXXX XXXX  decline the application. The confirmation number for the denial is XXXX. I need to know how to report this man for fraud and how to get this application off of my credit rating. XXXX XXXX  called back to say at XXXX today to tell me this incident was still on my credit rating because the credit card application was declined.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Today, XX/XX/XXXX, I received a call from XXXX XXXX  asking me if I applied for a credit card with an additional person. They identified the last XXXX digits of my social security number. They then told me that XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, XXXX was the applicant using my information. His application for the card was sent XX/XX/XXXX at XXXX. 

I asked that the XXXX XXXX  decline the application. The confirmation number for the denial is XXXX. I need to know how to report this man for fraud and how to get this application off of my credit rating. XXXX XXXX  called back to say at XXXX today to tell me this incident was still on my credit rating because the credit card application was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arbor Professional Solutions, Inc.
State: MI

Complaint narrative:
Summary : A collection account was placed on my credit report for an amount I do not legally owe. This account relates to a residential lease in Michigan. I moved out on XX/XX/year>, and my landlord returned my full security deposit shortly after, which under Michigan law ( MCL 554.613 ) waives their right to claim further rent or damages unless a lawsuit is filed. 

No lawsuit was ever filed, and instead the alleged debt was sent to collections. The debt collector is now reporting this to the credit bureaus, which is causing me harm, despite my dispute. This is not a legally valid debt, and reporting it violates the Fair Credit Reporting Act. 

What happened : I moved out of the rental unit on XX/XX/year>. 

The landlord returned my entire security deposit, which under Michigan law ends the landlords right to claim additional charges unless they file a lawsuit. 

The landlord did not sue me. Instead, they turned over an alleged balance of {$610.00} for XXXX rent to a debt collector. 

The debt collector added this to my credit report. 

I disputed the item with XXXX  and XXXX, but the inaccurate information remains. 

Why this is wrong : Michigan law MCL 554.613 says landlords must file a lawsuit to recover unpaid rent after returning a security deposit. Since no court case was filed, they legally forfeited the right to collect.

There is no valid basis for the debt.

The debt collector is reporting a debt that is not legally owed, which violates the Fair Credit Reporting Act and possibly the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: DC

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-06-02 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: DC

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently suffered a data breach, and as a result, fraudulent accounts have been reported under my name. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$00.00} Inquiries XXXX  XXXX Date : XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX  Date : XXXXXXXX XXXX XXXX XXXXXXXX Date XXXX XXXX XXXX Date : XXXX XXXX XXXX  Date : 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 2025-06-02 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: FL

Complaint narrative:
I am reporting identity theft involving unauthorized credit inquiries and/or accounts opened in my name. I did not apply for or authorize these actions. I believe my personal information was used without my knowledge by my father, who is now deceased. I had no involvement in these transactions, and I am not responsible for any of the accounts or inquiries in question. I am requesting that these items be investigated and removed from my credit file as part of this FTC Identity Theft Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A.
State: KY

Complaint narrative:
On XX/XX/year>, I called PNC and requested to be removed from my ex-partner 's credit card as I was added as an authorized user without my consent. I also informed them that on XX/XX/year>, my ex-partner physically assaulted me, breaking my wrist in XXXX places. On XX/XX/year>, I found my ex-partner deceased in my home from a self-inflicted gunshot to the head. After repeating my story several times to XXXX different associates, they each told me that I could not be removed from the card unless my ex-partner called and removed me from the card himself. This phone call was extremely retraumatizing and victimized me even further because I kept having to repeat the story of my abuse and finding my ex-partner deceased only to be told again that only he could remove me could from the card. I requested to escalate my request and was told that arbitration would call me within 24-48 hours. XXXX XXXX returned my call later that day ANDASKED TO SPEAK TO MY EX-PARTNER. She said she would look into it and would follow up with me. I did not hear back from her and left voicemails on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. On XX/XX/year>, I had still not obtained the death certificate due to the case not being officially closed. I was able to acquire the police report and asked if that would be acceptable and was told no, THAT MY DEAD EX-PARTNER WOULD HAVE TO REMOVE ME FROM THE ACCOUNT. On XX/XX/year>, I called XXXX again to ask how to send in the death certificate. That is when I was put into contact with XXXX XXXX. On XX/XX/year>, I emailed the death certificate. I have continued to follow up for an update, sending emails on XX/XX/year> and XX/XX/year>. On XX/XX/year>, I was told via email that XXXX XXXX received my email with the death certificate and that he would continue to work on this matter. Despite emails sent on XX/XX/year>, XX/XX/year>, and XX/XX/year>, I have yet to receive any response regarding the status of my request. 

As it is now XX/XX/year> and I continue to show up as an authorized user on this account, I assume that nothing has been done regarding my request. 

On XX/XX/year>, I was initially told that this matter would be resolved when I provided a death certificate, which was done on XX/XX/year>. I have still not been removed from the credit card as of XX/XX/year> nor have I received any updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: GA

Complaint narrative:
I am submitting this complaint regarding Credit Control , LLC, who has been harassing me via email regarding an alleged debt with XXXX. I have never authorized Credit Control to contact me, nor have I ever provided them with my personal contact information including my email address or phone number. It is my belief that this company illegally purchased my personal data from third parties and is using it to harass and intimidate me into paying a debt that they are not the original creditor of. 

The original creditor in this case is XXXX, but Credit Control continues to email me daily, which is not only unwanted but emotionally distressing and makes me feel unsafe. Their persistent, unauthorized contact has caused mental anguish, stress, and fear over the misuse of my personal information.

Under 15 U.S.C. 1681c-2, which provides protection in cases involving identity theft and the unauthorized reporting or use of a consumers data, I believe this situation qualifies. Specifically : I did not authorize Credit Control to collect or use my information.

I have not received any proof of debt nor been given an opportunity to dispute the validity of this claim. 
Their repeated contact violates my rights under the Fair Credit Reporting Act ( FCRA ) and potentially other consumer protection statutes.

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