vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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 have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-11 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: CA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have never legally gone by these personal information nor do not currently reside at the listed residence. The inclusion of inaccurate aliases and unrelated or outdated addresses not only violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to maintain maximum possible accuracy but also creates a serious risk of identity confusion and impairs my ability to obtain credit under accurate and fair conditions. The presence of such erroneous personal information also raises concerns of data mishandling, especially in light of recent national data breaches. Despite previous attempts to have this information corrected, Bureaus might have failed to remove the incorrect aliases and address entries, even though I have never used these names and do not reside at the listed locations.

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 2025-08-11 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: OK

Complaint narrative:
On XX/XX/year> I send {$600.00} to the wrong person using CashApp. While the transaction was pending I tried to cancel the money back CashApp system will not let me. I contacted them through the App and followed up with a phone but they said they could not refund the money nor contact the wrong recipeint to refund the money. I recieved an email from CashApp on XX/XX/year> that it will take about 30 days for them to get with me but they never did. I responded to the email but it was return as can not send email to this address. I called CashApp support system to XX/XX/XXXX at aboth XXXX and I was told there is nothing they could do. I called back at XXXX and was told there is nothing they could do. I want my {$600.00} to be refuned to me. Transaction number is XXXX. The money was recieved by a CashApp user by the name XXXX. I had wanted to send the money to XXXX XXXX not that XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Somebody had compromised my identity deposit fraudulent checks in my name ruined. My credit stole my identity stole. My ID stole my birth certificate. My Social Security card stole everything about me and XXXX cant even open up a bank account. I have tried for years to settle this and nobody is helping XXXX XXXX XXXX XXXX fraud Bank of America XXXX XXXX XXXX Account compromised Bank of America account compromised please help me. My name is XXXX. My number is XXXX. I have all the police reports everything that you need. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I submitted a formal dispute to the credit bureau, along with all documentation required under federal lawincluding a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Bseeking the prompt removal of fraudulent information from my credit report. Despite full compliance with these statutory requirements, the bureau failed to block the disputed information within the four-business-day period mandated by law. I respectfully request that the CFPB investigate this clear violation of the Fair Credit Reporting Act and take appropriate enforcement action to ensure the permanent deletion of the fraudulent data. Enclosed are copies of my dispute letter and all supporting documentation for your review.

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 2025-08-11 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: IL

Complaint narrative:
On XX/XX/year>, I submitted valid identity theft documentation to Experian, Equifax, and TransUnion under 15 U.S.C. 1681c-2, including my FTC Identity Theft Report, government-issued ID, Social Security card, and proof of current address.

Under this law, the credit reporting agencies are required to block the reporting of these fraudulent accounts within 4 business days. Instead, weeks have passed and the accounts remain on my credit reports. 

Worse, the furnishers and/or credit bureaus have continued to update these fraudulent accounts with new derogatory information, causing my credit score to drop approximately XXXX points after I provided proof of identity theft. This is a clear violation of FCRA 1681c-2 ( failure to block ) and FCRA 1681s-2 ( a ) ( continuing to furnish inaccurate information ). 

I have also received frequent harassing calls from parties associated with these disputed accounts, which if they are debt collectors violates the FDCPA, as they are engaging in collection activity during an active dispute and after being notified of identity theft. 

I am documenting every call, every credit report update, and the continued harm to my credit profile. I request that the CFPB take immediate enforcement action to ensure : XXXX. All fraudulent accounts identified in my XX/XX/XXXX submissions are blocked and removed immediately per 1681c-2.

2. All negative updates and inquiries related to these accounts cease.

3. All harassing contact stops immediately. 
4. The furnishers and credit bureaus are held accountable for ongoing FCRA and FDCPA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: IL

Complaint narrative:
On XX/XX/year>, I submitted valid identity theft documentation to Experian, Equifax, and TransUnion under 15 U.S.C. 1681c-2, including my FTC Identity Theft Report, government-issued ID, Social Security card, and proof of current address.

Under this law, the credit reporting agencies are required to block the reporting of these fraudulent accounts within 4 business days. Instead, weeks have passed and the accounts remain on my credit reports. 

Worse, the furnishers and/or credit bureaus have continued to update these fraudulent accounts with new derogatory information, causing my credit score to drop approximately XXXX points after I provided proof of identity theft. This is a clear violation of FCRA 1681c-2 ( failure to block ) and FCRA 1681s-2 ( a ) ( continuing to furnish inaccurate information ). 

I have also received frequent harassing calls from parties associated with these disputed accounts, which if they are debt collectors violates the FDCPA, as they are engaging in collection activity during an active dispute and after being notified of identity theft. 

I am documenting every call, every credit report update, and the continued harm to my credit profile. I request that the CFPB take immediate enforcement action to ensure : XXXX. All fraudulent accounts identified in my XX/XX/XXXX submissions are blocked and removed immediately per 1681c-2.

2. All negative updates and inquiries related to these accounts cease.

3. All harassing contact stops immediately. 
4. The furnishers and credit bureaus are held accountable for ongoing FCRA and FDCPA violations.

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 2025-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The collection account being reported by PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX XXXX ), Account Number : XXXXXXXX XXXX XXXX  is inaccurate, incomplete, and unverifiable in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ) ( failure to assure maximum possible accuracy ), 1681i ( failure to conduct a reasonable reinvestigation ), and 1681s-2 ( furnishers duty to provide accurate and complete information ).

The furnisher has failed to produce documented proof of ownership, a complete chain of assignment, and full account-level validation of the alleged debt as required under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). The reporting is also nonMetro 2compliant, with inconsistent data fields, date discrepancies, and balance inaccuracies across the three major credit reporting agencies. Continued reporting without proper validation is an ongoing violation that causes measurable harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: EQUIFAX, INC.
State: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MD

Complaint narrative:
I have had my cashapp account since XXXX in 2024 I travelled to XXXX for the summer XXXX to XXXX only for me to get back and see my account is closed I have never used this account for fraud or engaged in any fraudulent activity After they blame to escalate ur case they never reply back then randomly send a message telling u that the case is closed because they sent an email and u didnt reply to which isnt true

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Independence Capital Recovery, LLC
State: AZ

Complaint narrative:
I was contacted by an agent who would only identify himself as " XXXX  '' 3 weeks ago after he called ( 5 ) of my relatives. He said they " bought '' my debt and I would now be working with him. I told him that I can not just go by what he's telling me over the phone and asked if he could please send me some information or documents supporting this. I also told him that I am waiting for a retirement payout and can take care of this at end of XXXX ( he was fine with that and said he will call then. Immediately continued the calls within days. The only reason they were not being paid was because we switched banks and didn't realize the auto-pay was still trying to draw from the old account. 

This morning XXXX I got a voicemail from him saying that basically he's going to start calling my relatives again if I don't make a payment. I know they can contact relatives but the way they are doing it is wrong and unethical trying to humiliate me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: MD

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Army and Air Force Exchange Service
State: OK

Complaint narrative:
I am a military dependent and veteran my spouse is XXXX XXXX. I applied for a military star card and was approved for over XXXX dollars. I was making payments every month and fell short on making payments due to financial hardship. I wasnt receiving mail showing my balance or payment information. After realizing my payments werent auto drafting from my bank account and I had fell behind for XXXX months I tried calling XXXX XXXX and make a payment arrangement However, I was told my balance owed was sent to a collection company by the name of XXXX XXXX XXXX. I called and set up payments with them XX/XX/year> and had an offset taken from my tax return of approximately XXXX dollars. I have been making XXXX dollar monthly payments to them since XXXX of 2024 until present day. Meaning I have paid over XXXX dollars towards the balance owed. I called today and spoke with XXXX and was told that I still owed XXXX dollars towards my balance even though I have paid over XXXX dollars towards it already. XXXX told me i still owed that amount due to interest. In addition, XXXX told me that my balance would be paid off in 27 months over XXXX years from now! I then called military star customer service and was told that XXXX charges interest as well as fees on top of each monthly payment and because I waited so long to pay towards the balance interest had accrued. I explained to military star that I hadnt received any mail or documentation for my balance owed. Apparently military star did not have my correct address or phone number on file so I had little to no idea what my balance was or that my debt was sent to a different collection company. until I called them to verify that information. Its unfortunate that these debt collectors can get away with this!

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as XXXX  XXXX Bankruptcy XXXX -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation