vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-07 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
am filing this complaint because Experian is reporting inaccurate, unverified, and unauthorized information on my credit file in violation of the Fair Credit Reporting Act. These violations include incorrect personal identifiers, outdated addresses, and multiple inquiries that were obtained without my consent, without a permissible purpose, and without proper identity verification. 

Experian is reporting multiple names that do NOT belong to me, which is a clear mixed-file error. These names must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX These names are not connected to my identity and are causing Experian to associate my file with accounts, inquiries, and information that do not belong to me. 

Experian is also reporting incorrect and outdated addresses, which are contributing directly to these errors and allowing unauthorized access to my credit file. These addresses must be removed : XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX, XXXX, FL The presence of these addresses enables lenders to pull my report under outdated or incorrect information. This is a failure by Experian to follow reasonable procedures to assure maximum possible accuracy as required by FCRA 607 ( b ).

Experian is also reporting multiple hard inquiries that I did NOT authorize. These inquiries do not match my verified identity, address history, or application activity, and therefore violate FCRA 604, which requires a permissible purpose to access a consumer report. I am disputing the following inquiries : 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XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Many of these inquiries are duplicates, unauthorized, or connected to outdated identifiers that Experian should have removed. Their presence on my file shows Experian has failed to maintain accurate identifying information and has allowed third parties to access my report improperly.

I previously contacted Experian to correct these errors, but they failed to fix or investigate them properly. This violates FCRA 611, which requires the bureau to reinvestigate disputed information and either verify it or delete it.

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 2025-12-07 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: MI

Complaint narrative:
am filing this complaint because Experian is reporting inaccurate, unverified, and unauthorized information on my credit file in violation of the Fair Credit Reporting Act. These violations include incorrect personal identifiers, outdated addresses, and multiple inquiries that were obtained without my consent, without a permissible purpose, and without proper identity verification. 

Experian is reporting multiple names that do NOT belong to me, which is a clear mixed-file error. These names must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX These names are not connected to my identity and are causing Experian to associate my file with accounts, inquiries, and information that do not belong to me. 

Experian is also reporting incorrect and outdated addresses, which are contributing directly to these errors and allowing unauthorized access to my credit file. These addresses must be removed : XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX, XXXX, FL The presence of these addresses enables lenders to pull my report under outdated or incorrect information. This is a failure by Experian to follow reasonable procedures to assure maximum possible accuracy as required by FCRA 607 ( b ).

Experian is also reporting multiple hard inquiries that I did NOT authorize. These inquiries do not match my verified identity, address history, or application activity, and therefore violate FCRA 604, which requires a permissible purpose to access a consumer report. I am disputing the following inquiries : 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/XXXX XXXX XX/XX/XXXX Many of these inquiries are duplicates, unauthorized, or connected to outdated identifiers that Experian should have removed. Their presence on my file shows Experian has failed to maintain accurate identifying information and has allowed third parties to access my report improperly.

I previously contacted Experian to correct these errors, but they failed to fix or investigate them properly. This violates FCRA 611, which requires the bureau to reinvestigate disputed information and either verify it or delete it.

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 2025-12-07 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: MI

Complaint narrative:
am filing this complaint because Experian is reporting inaccurate, unverified, and unauthorized information on my credit file in violation of the Fair Credit Reporting Act. These violations include incorrect personal identifiers, outdated addresses, and multiple inquiries that were obtained without my consent, without a permissible purpose, and without proper identity verification. 

Experian is reporting multiple names that do NOT belong to me, which is a clear mixed-file error. These names must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX These names are not connected to my identity and are causing Experian to associate my file with accounts, inquiries, and information that do not belong to me. 

Experian is also reporting incorrect and outdated addresses, which are contributing directly to these errors and allowing unauthorized access to my credit file. These addresses must be removed : XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX, XXXX, FL The presence of these addresses enables lenders to pull my report under outdated or incorrect information. This is a failure by Experian to follow reasonable procedures to assure maximum possible accuracy as required by FCRA 607 ( b ).

Experian is also reporting multiple hard inquiries that I did NOT authorize. These inquiries do not match my verified identity, address history, or application activity, and therefore violate FCRA 604, which requires a permissible purpose to access a consumer report. I am disputing the following inquiries : 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/XXXX XXXX XX/XX/XXXX Many of these inquiries are duplicates, unauthorized, or connected to outdated identifiers that Experian should have removed. Their presence on my file shows Experian has failed to maintain accurate identifying information and has allowed third parties to access my report improperly.

I previously contacted Experian to correct these errors, but they failed to fix or investigate them properly. This violates FCRA 611, which requires the bureau to reinvestigate disputed information and either verify it or delete it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 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: IN

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.

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 2025-12-07 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: IN

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.

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 2025-12-07 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Request for Immediate Deletion of Unverifiable Account XXXX/Comenity/NY & Co Account Number XXXX XXXX To Whom It May Concern, I am writing to formally dispute the reporting of the account listed as XXXXXXXX XXXX XXXX account number XXXX XXXX which currently appears on my XXXX XXXX XXXX XXXX credit reports. 
This account was paid in full and closed in XX/XX/year>. The original creditor, NY & Company, has since ceased operations, and the retail brand is no longer serviced or supported by Comenity Bank. Because the company no longer exists and Comenity Bank no longer maintains this account in their system, the information can not be verified. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), any item that can not be verified must be deleted from the consumers credit file.

Additionally, under FCRA 605 ( a ), consumer reporting agencies may not continue reporting outdated, obsolete, or unverifiable information.

Because : The account is paid in full, The company no longer exists, The furnisher ( Comenity ) can not verify or validate records, And the account is obsolete and inaccurate, I am requesting immediate deletion of this account from my XXXX  credit report. 
Please complete the reinvestigation and provide me with written confirmation of deletion. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Re : Cease and Desist Notice To Whom It May Concern, This letter is a formal request that you cease and desist all communication with me regarding the above-referenced account.

In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am requesting that you stop contacting me by all means, including but not limited to telephone calls, voicemails, emails, text messages, letters, or communication through third parties.

You may only contact me in the future to confirm one of the following : 1. That you will comply with this request and cease communications ; or 2. That you intend to pursue a specific legal remedy permitted by law.

This letter is not an admission of liability, nor is it a refusal to pay. It is simply a lawful request to stop further communication.

Any continued contact in violation of this request may be documented and reported to the appropriate regulatory agencies. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: P&B Capital Group, LLC
State: TX

Complaint narrative:
P & B Capital Group, LLC., a third party debt collection agency, threatened me to sue me for an old debt they acquired.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XX/XX/year> Re : Cease and Desist Notice To Whom It May Concern, This letter is a formal request that you cease and desist all communication with me regarding the above-referenced account. 

In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am requesting that you stop contacting me by all means, including but not limited to telephone calls, voicemails, emails, text messages, letters, or communication through third parties.

You may only contact me in the future to confirm one of the following : 1. That you will comply with this request and cease communications ; or 2. That you intend to pursue a specific legal remedy permitted by law.

This letter is not an admission of liability, nor is it a refusal to pay. It is simply a lawful request to stop further communication. 

Any continued contact in violation of this request may be documented and reported to the appropriate regulatory agencies. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 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: NY

Complaint narrative:
I am filing this complaint because I accidentally sent {$5.00} to the wrong person on Cash App. When I went to send the payment, the correct profile would not appear, so I selected the profile that I assumed was correct and completed the transfer. After the payment went through, I realized it went to the wrong person. I immediately used Cash App to request a refund from the recipient, but they have not responded or returned the money. I am asking for assistance in recovering these funds. This happened on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
I explained that the account wasn't mine and not my responsibility due to identity theft

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 2025-12-07 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: FL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
This complaint relates directly to my prior CFPB complaint # XXXX. In that complaint, I submitted multiple forms of identification through the CFPB portal, including my passport card, my certified marriage license, and my XXXX utility bill. Despite receiving these documents, the company did not address the actual issues I raised. Instead, they avoided reviewing my data by claiming they needed additional identification, without explaining why the documents already provided failed to meet the reasonable identification standard. 

The companys response to complaint # XXXX did not include : any consumer disclosure of what data they maintain about me, any investigation findings, any confirmation that the information they hold or share is accurate or verified, or any indication that outdated or unverifiable information was reviewed or corrected. 

Instead, they relied on a procedural barrier to avoid completing the review I requested. 

Because they claimed my passport card was insufficient, I am resubmitting this complaint and will now include my Washington driver license, my Social Security card, another XXXX bill, and my certified marriage license again. These documents remove any possible justification for delay. Some of my identifying details were also provided directly through the CFPB complaint process, further confirming my identity. 

My concern remains that The Work Number may be maintaining or sharing information that is outdated, incomplete, unverifiable, or inaccurate. Their failure to meaningfully respond to complaint # XXXX left the issues unresolved, which is why I am submitting this new complaint.

Company response to consumer: Closed with explanation