vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
In or around [ insert month and year ], I discovered that XXXX XXXX-related entries were being reported to the credit bureaus by the XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) under my name. I have not received a valid contract bearing my signature authorizing the XXXX to report any such alleged debt to credit reporting agencies. 

There is no signed agreement, sworn affidavit, or court order establishing that I consented to or was properly notified of this alleged debt or its reporting. This appears to be an attempt to collect on a debt without proper validation, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite multiple formal requests, the XXXX has failed to produce : A signed contract obligating me to pay, An accounting of the alleged debt ( including principal, interest, and federal matching funds ), or Any judicial ruling or legal validation confirming the debt. 

This reporting has harmed my credit, limiting access to housing, transportation, and employment opportunities. I demand a full investigation and immediate removal of this unverified and damaging entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: WA

Complaint narrative:
In XXXX  an account appeared on my report called XXXX. This was opened fraudulently. XXXX, which is part of XXXX  XXXXXXXX XXXX XXXX had a security breach and my info was leaked. There were XXXX accounts with XXXX  opened illegally due to the breach. Experian is going zero to help me even shoring them the lawsuit they are in. I dispute the account with XXXX  and Experian refuses to help XXXX  with the company

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 2025-07-11 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: FL

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit report. I am a victim of identity theft, and my credit file contains accounts and inquiries that I did not authorize and do not recognize.

Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), I ask that you block and delete these unauthorized items from my report. Enclosed are a list of the disputed accounts and a copy of my Identity Theft Report filed with the Federal Trade Commission. 

Please investigate and remove the fraudulent information as soon as possible. I request written confirmation once these corrections have been completed. 

Thank you for your prompt attention to this matter.

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 2025-07-11 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: Army and Air Force Exchange Service
State: MD

Complaint narrative:
I recently viewed my consumer report and noticed the following unauthorized hard inquiries reporting in violation of 15 USC 1681b ( Permissible purpose of consumer reports )

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 2025-07-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
I am filing a complaint against OppLoans due to excessive interest charges and failure to acknowledge my written request to revoke payment authorization and confirm the loan status. 

I borrowed {$2000.00} or so through OppLoans and have repaid over {$2700.00} to date. The loan was refinanced once, resulting in new terms that further increased the total repayment amount to over {$4000.00}. Despite this, they are still attempting to collect additional payments through automatic bank withdrawals. 

On XX/XX/year>, I emailed OppLoans to revoke XXXX authorization, notify them of financial hardship, and request that all communication occur in writing only. I also issued a stop payment through my bank to prevent further withdrawals. As of filing this complaint, they have not responded. 

I am requesting that OppLoans : Cease all further collection activity Cancel the remaining balance Confirm in writing that no further debits will occur Consider refunding any portion paid in excess of the original {$2000.00} I am prepared to provide loan agreements, payment history, and my email notice if requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: VA

Complaint narrative:
Transunion refuses to correct my credit report with XXXX XXXX. I tried disputing with them four times. They are reporting 60 days past due on XXXX XXXX XXXX  when I paid them on XX/XX/year> in full. Credit report is showing {$0.00} balance but there is no payment amount received reporting on XX/XX/year>. I paid XXXX XXXX over {$6000.00} dollars on XX/XX/year>. I furnished the letter but Transunion said they need a receipt they are reporting {$0.00} from XXXXXXXX XXXX so I shouldnt need a receipt. Later down the report they got {$0.00} balance but no reporting is showing for XX/XX/year>, XX/XX/year> and XX/XX/year>. I have included paid in full letter and contract stamped paid in full from XXXX XXXXTransunion refuses to correct the error I disputed with them 4 times. I have been need denied credit because of this on my credit 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 2025-07-11 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 filed formal disputes with the credit bureau concerning inaccurate and unverifiable account on my credit report. Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureaus ( Experian, XXXX and TransUnion ) are required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C.

1681e ( b ). The CFPBs XX/XX/year> enforcement action against XXXX ( resulting in a {$15.00} XXXX penalty ) confirms that these automated or superficial checks do not meet the reinvestigation requirements of the law. I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. 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 2025-07-11 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: SUNRISE CREDIT SERVICES, INC
State: WA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Reinsertion of Collection Account Without Proper Notification Account Number : XXXX To Whom It May Concern, I am writing to formally notify you that your company, Sunrise Credit Services , has reinserted a collection account on my credit file without providing proper notification, which is a clear violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 5 ) ( B ).

This same account was previously placed on my credit report without proper notice in XXXX of XXXX and was removed. You have now unlawfully re-reported this debt without fulfilling your legal obligation to notify me in writing within five business days of the reinsertion. This demonstrates repeated non-compliance with federal law and a blatant disregard for my rights as a consumer.

Be advised that under the FCRA, if a collection account is reinserted, the furnisher in this case, Sunrise Credit Services must provide the consumer with timely and proper notification. Failure to do so invalidates the reporting of the account entirely.

If you can not provide documented proof a certified mail receipt with my signature showing that I was properly notified and informed of my right to dispute this debt, then you must immediately remove this account from all consumer reporting agencies and permanently cease any collection activity related to this account.

Furthermore, your repeated failure to follow proper reporting procedures is unacceptable. I demand that you immediately cease all collection efforts and ensure that this account is deleted from TransUnion and any other credit bureaus you have furnished it to. 

Take this matter seriously I expect immediate action. 

Sincerely, 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 2025-07-11 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: GA

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 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 2025-07-11 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: AZ

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Attached are documents supporting my claim, including a copy of my credit report with the disputed account highlighted, and proof of identity. Remove these fraudulent accounts and inquiries now. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: OH

Complaint narrative:
I can't access the phone numbers on my cashapp Account. The phone device which I use my cashapp and which the cashapp phone number is linked is currently switched off and can't function. My mint mobile subscription got expired and everything working on the phone had to stop. 

I also can't remember the other number connected to my Cashapp but I can remember one cause it was my main number. I need to change the number on my Cashapp account to the new one I'm using and can access right now. Kindly help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MO

Complaint narrative:
I have never opened an account with this creditor and they did not provide the all the necessary details for it to be reported to my credit when the debt was disputed and the verification was requested. As I have never open an account with this creditor I do not believe this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear Equifax Compliance Department, I am writing to formally dispute and demand the immediate deletion of the following inaccurate and unverifiable tradelines from my credit file : 1. * XXXX  XXXX XXXX Account # XXXX 2. *  Dept of Ed/XXXX Account # XXXXXXXX 3. * Dept of Ed/XXXX Account # XXXX Pursuant to 15 USC 1681i, you are required by federal law to conduct a reasonable reinvestigation of any disputed information. To be clear, you must verify the accuracy of each disputed account by obtaining documented evidence directly from the data furnisher. If you are unable to do so, you must delete the information immediately.

Your recent response referencing unverifiable or generic verification does not meet the legal standard for a reasonable investigation under the FCRA, as clarified in 15 USC 1681i ( a ) ( 5 ). I demand that you provide me with the method of verification, including the name, address, and telephone number of each furnisher you contacted, and actual documentation used to verify these tradelines.

Further, I hereby demand that Equifax NOT use any automated system, template, or software to process or respond to this dispute. This is a formal request for manual human review only. Any use of automated e-OSCAR or similar software to parrot a furnishers response, without meaningful investigation, will be considered willful noncompliance under 15 USC 1681n, which carries statutory damages.

Should you fail to comply with your statutory obligations within 30 days of receipt of this letter, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I will also consider pursuing civil remedies in federal court under 15 USC 1681n and 1681o, including punitive damages and attorney fees.

To be clear, I am exercising my legal right to a full and fair reinvestigation and am demanding removal of any account that can not be verified with documented proof. Please mail me an updated copy of my credit report showing the results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp.
State: LA

Complaint narrative:
XXXX informed me that a charged-off account for {$1800.00} was sent to TrueAccord for collection via email on XX/XX/XXXX. As of XX/XX/XXXX, I was never contacted by TrueAccord regarding this account, and I never received a written validation notice by mail or email within 5 days of first contact as required by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

Additionally, when I contacted XXXX directly, they stated in writing that they can not verify the account or provide supporting documentation. This indicates that both XXXX and TrueAccord are attempting to collect or report a debt that can not be substantiated, and I was never given the opportunity to dispute or request validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to report that I am a victim of identity theft, and I am requesting the immediate removal of fraudulent information from my credit report. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are obligated to delete such information within 4 business days of receiving the request. Some of the data on these accounts is unfamiliar to me, and I am concerned about the accuracy and authenticity of the entries. Several of these entries have already been removed from other bureaus, which further supports my claim of fraud. 
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 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My new td bank card was activate by someone and that person withdrew XXXX $ from atm than he went inside and withdrew XXXX from my savings account how could someone take XXXX XXXX without my Id and I set up a security code on my account because I had incident before that security code supposed to be provided when withdrawing funds from my account and I am the only person who knows that security code I made a police report and I went to the bank where the transactions were madeI was told that they will investigate and they closed all my accounts and open new accounts

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Automated Collection Services, Inc.
State: FL

Complaint narrative:
Automated collection services inc Never attempted to contact me prior to contacting credit bureaus posting a collection without attempting to validate the debt and not giving me prior notice. As of today, XX/XX/year>. I received correspondence from automated collection service Inc. in regards to a collection matter long after them putting a negative impact on my credit report. Automatic collection services Inc. is in clear violation of FDCPA 15 USC 1692 and other applicable laws and or statues

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: NC

Complaint narrative:
Equifax is in direct violation of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ) for failing to ensure maximum possible accuracy of the information on my credit file, and 15 U.S.C. 1681i ( a ) for failing to conduct reasonable reinvestigations of disputesdespite multiple formal requests, including those sent via certified mail. 

As of XX/XX/scrub> 2025, Equifax has allowed at least 63 unauthorized soft inquiries on my credit file, despite the fact that I have not applied for credit. Alarmingly, an inquiry appears dated XX/XX/year>2025, a day in the future, indicating clear and systemic errors in data reporting and timestamp accuracy. 

In addition, I am a confirmed victim of identity theft, resulting from the widely publicized Equifax data breach, for which Equifax has already admitted liability. My credit report continues to reflect the consequences of that breach, unauthorized activity and fraudulent entries that Equifax has failed to investigate or remove in accordance with 15 U.S.C. 1681c-1.

I am also being denied access to my full report due to persistent BLNK error messages and No Credit Score Available responses. My credit score has not been updated for over 60 days despite significant positive changes.

These negligent and unethical practices are causing material harm, emotional XXXX, and financial hardship. I demand immediate correction, proper reinvestigation, and full restoration of my rights under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: MI

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., I have the right to dispute inaccurate, incomplete, or unverifiable information on my credit report. Once a dispute is submitted, credit reporting agencies and data furnishers ( creditors ) are legally required under 15 U.S.C. 1681i and 1681s-2 ( b ) to conduct a reasonable investigation and delete or correct any information found to be inaccurate or unverifiable within 30 days.

Despite following proper dispute procedures with the credit bureaus and the data furnishers, the inaccurate information remains on my credit reports. This is a direct violation of my consumer rights under the FCRA. Specifically : The accounts in question are factually incorrect and/or unverifiable, and therefore must be deleted from my credit reports per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

The data furnishers have continued to report this incorrect information without providing proper investigation or verification, in violation of 15 U.S.C. 1681s-2 ( b ).

I am requesting that the CFPB investigate this matter and take enforcement action, if necessary, to ensure that the involved creditors and credit bureaus are held accountable. I am also formally requesting deletion of the inaccurate accounts from all three credit reporting agencies as they are either not verified, outdated, or incorrect.

Company response to consumer: Closed with non-monetary relief