vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 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 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 XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9400.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I submitted a timely Validation of Debt request to TRUEACCORD regarding Account Number : XXXX for the alleged balance of {$300.00} under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that request, I specifically asked for proof of ownership of the alleged debt, a valid purchase agreement for the portfolio containing my account, a complete and unbroken chain of title from the original creditor to the debt collector, and a copy of their state bond or license required to collect in my state. Despite this request, XXXX XXXX XXXX XXXX failed to provide any of these critical documents. They continue to report negative information to the credit bureaus and attempt to collect on a debt they can not legally prove they own or are authorized to collect. By furnishing derogatory credit information without proof of ownership or proper documentation, they are in violation of 15 U.S.C. 1692e of the FDCPA and may also be violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 XXXXXXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
What happened : On XX/XX/scrub>XXXX XXXX XXXX I authorized a {$1000.00} Cash App payment to my landlord at XXXX XXXX. Minutes later, at XXXX XXXX  another {$1000.00} was fraudulently sent to XXXX through my Cash App account without my authorization. My paycheck that week was only {$1200.00}, so this second transaction nearly wiped out my account. 

I never accepted a prior {$5.00} Cash App transfer from XXXX on XX/XX/scrub>XXXX XXXX After the fraud occurred, my original cashtag XXXX XXXX XXXX  ) was shut down and Cash App changed it to XXXX XXXX XXXX ) without my permission. 

I filed Case # XXXX with Cash App, but my claim was denied. Cash App closed the case without providing me the documentation of their investigation or explaining how my cashtag was changed. This is a violation of Regulation E protections for unauthorized electronic transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Received an email saying that this person XXXX XXXX did and Auto debit on my PayPal account for XXXX purchase of {$380.00} linked bank/card And that it was successfully processed. 
This was sent to my husbands email account XXXX We did not request, nor make any such transaction at anytime. 
Thank you for your assistance in this fraud matter. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Exeter Finance, LLC.
State: NV

Complaint narrative:
We got behind on our car payments. I believe we were about {$4500.00} behind due to medical emergencies and conditions, and we don't deny that. 
On the morning of XX/XX/XXXX we awoke to our car missing from our driveway. There was no notice of repossession ever received and they took it in the middle of the night while we were sleeping. We were told we had to pay {$4500.00} to get the car back and that prior to making that payment we could make an appointment to go get our personal belongings from the vehicle. We set an appointment and retrieved these things on XX/XX/XXXX and at that time we were told the vehicle was in their possession and once we paid the amount due we could get it back. They did not tell us the vehicle was located in XXXX XXXX at this point and led us to believe we would be able to pick up our vehicle from that same location we retrieved our belonging from. We requested a copy of the repossession notice and found that it had been sent to XXXX XXXX XXXX XXXX XXXX, NV XXXX. 
The problem with them sending it to that address is that we have not lived there in 12 years and they have never sent any correspondence to us at that address before. It was not the address on our original loan paperwork and we did not give them this address at any time, since it is no longer valid. The have sent all correspondence prior to the repossession and since then to our current address and the only address they had. We do not believe this was legal as we were not informed of the repossession or the steps to regain possession of our vehicle. Worse than that, when we complained to them about the fact that we were not informed the vehicle was not located in XXXX until we made the appointment to retrieve the vehicle, we were told that's not their problem and they would not being doing anything about that. 
We believe the notice of repossession being sent to the invalid address may have been in part, an act of retaliation for a complaint submitted regarding their collection processes I submitted earlier which resulted in a no contact order being put in place so they wouldn't be able to call incessantly anymore. 
We have a copy of the notice of repossession and it clearly has the incorrect address on it. They gave the tow company the correct address to take the car from, so there's no reason for them to have sent the notice elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I looked at my XXXX Equifax XXXX XXXX credit report on XX/XX/scrub>XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I wish to formally dispute these accounts, as I did not authorize or open them. They appear to be the result of fraudulent activity. I respectfully request their removal from my credit file and a full investigation. Supporting documentation is enclosed.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: FL

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 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
Subject : Verification Process Rejection of XXXX XXXX  and ID Complaint : I have been trying to verify my Capital One account for more than a month, but the process has been unreasonable and inconsistent. 

Capital One approved my application as a non-US citizen. However, during the verification process, they only accept a US drivers license or state-issued ID. As a XXXX XXXX I do not have these documents. My valid XXXX XXXX XXXX XXXX XXXX XXXX  were rejected. 

What makes this situation worse is that the verification process was initiated randomly, even though I had been actively using my account without issues before. Suddenly, I am locked into a process I can not complete because of their limited ID options. 

This policy is inconsistent and unfair. If Capital One does not support non-US citizens, they should not approve our applications in the first place. Instead, the current process wastes customers time and prevents legitimate international users from accessing their accounts. 

I request CFPB to review this matter and require Capital One to : 1. Accept valid foreign government-issued IDs and passports for verification, or 2. Clearly state during the application process that non-US citizens can not proceed beyond verification. 

This situation has caused me significant delay, frustration, and loss of time. I would like this matter to be resolved promptly. 

Desired Resolution : Capital One should verify my account using my valid XXXX XXXX 
Capital One should adjust its policy to avoid misleading non-US applicants in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Dispute was submitted XXXXXXXX XXXX to have {$100.00} collection deleted from EQUIFAX report. XXXX already deleted account in XXXX due to creditor not having original lease agreement with original security deposit. EQUIFAX labeled dispute as " completed '' on XX/XX/XXXXXXXX XXXX XXXX  with the result being the collection account was " updated ''. On XX/XX/XXXXXXXX Agent on phone could not tell me what was being updated on the account and told me I would need to submit another dispute. I stated that I would like to provide a consumer statement and get a description of how the reinvestigation was conducted along with the business name, address and telephone number ( if reasonably available ) of the furnisher of my disputed information. The agent said he could not assist me and provided the customer service line starting with " XXXX '' claiming it was a specialty phone number. When I told him calling that number led me to him in the first place, he simply repeated himself. We were on the phone for over 45 minutes. He claimed his name was " XXXX '' and his employee id was XXXX. There is no option to add a consumer statement online or get the investigation information online. I can not even see what I originally put in my dispute nor can I update it with supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Shellpoint Partners, LLC
State: KY

Complaint narrative:
On XX/XX/year>, I sent an initial email to NewRez regarding my mortgage loan and an assumption request. In that email, I attached the required documents, W2s, divorce decree, settlement, quit claim deed, loan number, and other information requested for the assumption review. I had filled out an application for assumption, prior to this, online as directed by their customer service. 

On XX/XX/scrub>XXXX XXXX XXXX I sent an email to follow up on assumption status. 

On XX/XX/scrub>XXXX XXXX  I sent as additional follow up email. 

On XX/XX/year>, I called NewRez to follow up. During that call, the representative confirmed that my email address was updated in the system. 

On XX/XX/scrub>XXXX XXXX XXXX I sent a follow-up email regarding the assumption request and again included the supporting documentation. 

On XX/XX/scrub>XXXX XXXX I sent another email asking for confirmation and clarification about the status of my assumption request. I reattached the documents that had already been provided, including income verification, identification, and loan account information. 

On XX/XX/scrub>XXXX XXXX I sent a third follow-up email because I had not received any response. 

On XX/XX/year>, I called again after receiving no resolution. At that time, I submitted a complaint about inaccurate information being reported. 

On XX/XX/scrub> XXXX I sent another email requesting an update and explanation as to why I had not been contacted. 

On XX/XX/year>, I called once more. During this call, I was told that my loan account/report was flagged and that the assumptions department would notify me regarding next steps. 

Despite submitting all required information and supporting documents multiple times, as well as making several calls and follow-up requests, I have not received the necessary response or resolution. The lack of communication and failure to address my assumption request and reporting concerns has caused unnecessary delay and negative impact.

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 2025-09-04 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: IL

Complaint narrative:
I have sent in multiple disputes and they come back as unknown. The amount that is stated is incorrect its charging 3 times more than the amount of the card. I have paid this card for the amount of credit and closed this account but it still appears on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XXXX  XX/XX/scrub>/2025 XXXXXXXX  XXXX/XXXX/2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am not responsible for these accounts, which appear fraudulent. Please investigate and remove them immediately. Enclosed are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: MI

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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