vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CL Holdings LLC
State: CA

Complaint narrative:
They sent my boss a text message disclosing that I had debt with them and to solve it with a 15 % off my balance. Jefferson capital. For XXXX credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: CT

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I sent a debt validation and cease and desist order to you guys via mail and fax. YOU NEVER RESPONDED. I have never did any business with Portfolio Recovery Associates or any of its partner companies. This is a result of identity theft, and it NEEDS to be removed. See my attached letter and provide an answer to ALL of the items on my 9-item list, EVERY SINGLE ITEM, or remove it from my credit report and cease collections on the debt. You guys are also harassing me, calling me several times a day after I told you to STOP calling me. Just for that, I have grounds to sue you. I keep records of my call logs. I have won every lawsuit against other collection agencies I've sued. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
I am writing as a victim of identity theft, urgently seeking the permanent removal of a fraudulent account that continues to appear on my credit reports. The account in questionXXXX XXXXwas opened without my knowledge or authorization. I have never conducted business with XXXX XXXX and did not apply for any credit or financial product through them. 

Upon discovering this fraudulent activity, I contacted XXXX XXXX directly to request original documentation that would verify the legitimacy of the account. They failed to provide any such documentation. To formally address this issue, I filed an Identity Theft Report with the Federal Trade Commission ( FTC ) and mailed disputes to all three major credit bureausEquifax, Experian, and TransUnion. Each dispute included a copy of my government-issued ID, Social Security card, proof of address, the FTC Identity Theft Report, and a citation of FCRA 605 ( b ), which requires the blocking of fraudulent information once the consumer provides appropriate notice and documentation. 

Initially, the credit bureaus removed the XXXX XXXX account from my reports, which confirmed that it lacked proper verification. However, the same fraudulent account was later reinserted without any explanation or required notice. This is a direct violation of FCRA 1681i ( a ) ( 6 ), which mandates that consumers be notified within five business days if previously deleted information is reinserted. I received no such notice. Additionally, under 15 U.S.C. 1681i ( a ) ( 7 ), I am entitled to receive a description of the procedures used to determine the accuracy and completeness of the disputed informationthis has not been provided by any of the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
I am writing as a victim of identity theft, urgently seeking the permanent removal of a fraudulent account that continues to appear on my credit reports. The account in questionXXXX XXXXwas opened without my knowledge or authorization. I have never conducted business with XXXX XXXX and did not apply for any credit or financial product through them. 

Upon discovering this fraudulent activity, I contacted XXXX XXXX directly to request original documentation that would verify the legitimacy of the account. They failed to provide any such documentation. To formally address this issue, I filed an Identity Theft Report with the Federal Trade Commission ( FTC ) and mailed disputes to all three major credit bureausEquifax, Experian, and TransUnion. Each dispute included a copy of my government-issued ID, Social Security card, proof of address, the FTC Identity Theft Report, and a citation of FCRA 605 ( b ), which requires the blocking of fraudulent information once the consumer provides appropriate notice and documentation. 

Initially, the credit bureaus removed the XXXX XXXX account from my reports, which confirmed that it lacked proper verification. However, the same fraudulent account was later reinserted without any explanation or required notice. This is a direct violation of FCRA 1681i ( a ) ( 6 ), which mandates that consumers be notified within five business days if previously deleted information is reinserted. I received no such notice. Additionally, under 15 U.S.C. 1681i ( a ) ( 7 ), I am entitled to receive a description of the procedures used to determine the accuracy and completeness of the disputed informationthis has not been provided by any of the bureaus.

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 2025-05-07 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: PA

Complaint narrative:
LVNV Funding LLC, reported on my Credit File claims that I owe {$500.00} with an incomplete account number : XXXX. 
I responded to their asking for Debt Validation. This company is not able to Validate their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: FL

Complaint narrative:
FCRA 14 USC1681c-2 ( a ) My data was affected by equifax and compromised The breach compromised sensitive information such as my name, Social Security number, birthdate, addresses, and and possibly my driver 's license number and even credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: OH

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: PA

Complaint narrative:
XXXX'Please see suportting documentaion pertaing XXXX  DATA BREACH'

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 2025-05-07 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: CA

Complaint narrative:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XX/XX/XXXX, has violated my rights. 

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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall 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 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 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
A large amount over XXXX was deposited via wire from a Title company XX/XX/year>. I'm in XXXX and my bank Regions will not give me a way to access it. My online access has been locked since the transfer. I've called customer service several times to remove the lock with no results. I've called my local branch with no help. There only solution is I have to go there in person. They won't give me any way to contact them in writing. 
To the Consumer Financial Protection Bureau, I am filing this complaint against Regions Bank for their refusal to provide me access to my own account and for mishandling a wire transfer related to the sale of my property. 

Despite submitting notarized documents and completing all requested identity verification steps, Regions has kept my account locked. This has blocked my access to funds that were supposed to be wired to a different bank account, per the disbursement instructions I provided during closing. Instead, they diverted the funds to my Regions account, which I can not access. 

I have followed every step required by their verification process. Ive communicated multiple times with their representatives, but there has been no resolution, no clear explanation, and no urgency on their part to restore access to my funds. 

This has caused unnecessary hardship and financial stress, and I believe Regions Bank is in violation of consumer protection standards. I am requesting immediate investigation and action to hold them accountable and compel them to release my funds without further delay

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc.
State: MI

Complaint narrative:
I am writing this complaint to request my consumer report. 

Upon reviewing my credit report file with Experian, Equifax, and Transunion there is incorrect information you are furnishing to them. This is my attempt at fixing this problem. 

I want to ensure the information in my file is accurate and complete. I request that you promptly provide me with a complete consumer report. 

Please ensure that the information you are reporting is complete and accurate. If the information is not I request you verify and provide the source. If you do not this will escalate into a small claims suit. 

Thank you for your prompt attention to this issue. I look forward to your response and the resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: FISERV FINXACT CORE
State: MS

Complaint narrative:
" On XX/XX/year>, around XXXX AM, I visited XXXX XXXX. My receipt is dated XX/XX/year>, at XXXX AM, and the bill came out to {$28.00}. This amount appears to be incorrect as I believe I was overcharged for an adult dinner buffet instead of the adult lunch buffet, which should have been less expensive. I used my XXXX XXXXXXXX XXXX XXXX  to pay. When I checked my card statement later, I noticed a charge for {$34.00}, which is {$5.00} more than my already inflated bill. I believe this extra charge is an unauthorized 20 % tip that I did not agree to, as I already included a tip when I signed the receipt. 
Later on XX/XX/year>, I contacted XXXX XXXX customer service to inquire about this overcharge and initiate a dispute. The representative informed me that I have to wait 7 days from the transaction date to file a dispute. When I asked if I could submit a copy of my receipt as evidence of the incorrect charge, the representative stated that I could not do so at this time and would have to wait the full 7 days. They also stated that this 7-day waiting period is 'common practice, ' which I find unacceptable and potentially incorrect. I requested clarification on why I couldn't submit my receipt immediately and why an extra {$5.00} was charged on top of what seems to be an incorrect initial charge for the wrong buffet. I am concerned about these unauthorized overcharges and the difficulty in immediately disputing them with XXXX XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: KY

Complaint narrative:
I am filing this complaint against Experian for failing to conduct a reasonable investigation under the Fair Credit Reporting Act ( FCRA ) regarding multiple disputes I have submitted. Despite detailed submissions, Experian continues to report inaccurate and unverifiable information that has already been deleted by XXXX based on the same disputes.

Summary of Disputed Accounts and Inaccuracies : XXXX. XXXX XXXX Experian : Still reporting. 
XXXX  : Deleted after dispute. 
Inaccuracies : Account number inconsistently reported. 
Different date of last activity and balance between bureaus. 
Issue : Continued reporting despite lack of verification and deletion by XXXX 

XXXX. XXXX ( Dept. of Education ) Experian : Still reporting. 
XXXX XXXX  Deleted. 
Inaccuracies : Inconsistent account numbers ( full vs. truncated ). 
Conflicting balances and payment history. 
Issue : Mismatch in data across bureaus raises concern about Experians verification process. 

XXXX. XXXX XXXX XXXX XXXX Experian : Still reporting with no updates. 
Inaccuracies : No response to dispute. 
No method of verification provided. 
Issue : Lack of action or verification violates FCRA 1681i. 

XXXX. XXXX XXXXXXXX XXXX  Experian : Negative status continues to report. 
Inaccuracies : Different balances, payment status, and dates across bureaus. 
Issue : No proof of reinvestigation or data correction.

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 2025-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
Square and/or Block Inc are possibly processing funds for XXXX XXXX via the XXXX XXXX XXXX " XXXX XXXX XXXX '' to actively fund hate and racism. She called a XXXX year old the " XXXX '' word and is seeking more than XXXX in donations for her bigotry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: VA

Complaint narrative:
Good day! Upon reviewing my latest update, I've noticed that numerous fraudulent items have been successfully removed, for which I'm sincerely grateful. However, I would like to kindly request once more for Experian Credit Bureau to remove the remaining fraudulent entries from my credit report. Below, I've listed the remaining fraudulent items that I would appreciate being addressed : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

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 2025-05-07 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: TN

Complaint narrative:
I am disputing inaccurate and incomplete information being reported by XXXX Bank, XXXX. on my credit file. The account is listed as open with a {$0.00} credit limit, {$0.00} balance, and no activity since XX/XX/year>, yet the credit bureaus continue to report it as active. The credit limit is either shown as {$0.00} or information not available, which misrepresents my available credit. 
Additionally, several months of payment history from XXXX  are marked as no data, even though the account was open, and the payment status shows No Info, which contradicts the report stating 100 % on-time payments. These discrepancies are misleading and violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires data furnishers and credit bureaus to maintain complete and accurate records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: TN

Complaint narrative:
I am disputing inaccurate and incomplete information being reported by XXXX Bank, XXXX. on my credit file. The account is listed as open with a {$0.00} credit limit, {$0.00} balance, and no activity since XX/XX/year>, yet the credit bureaus continue to report it as active. The credit limit is either shown as {$0.00} or information not available, which misrepresents my available credit. 
Additionally, several months of payment history from XXXX  are marked as no data, even though the account was open, and the payment status shows No Info, which contradicts the report stating 100 % on-time payments. These discrepancies are misleading and violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires data furnishers and credit bureaus to maintain complete and accurate records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: SUNRISE CREDIT SERVICES, INC
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Experian P.O. XXXX XXXX, XXXX, TX XXXX XX/XX/year> I dispute the mentioned debt and request verification as per the Fair Debt Collection Practices Act ( FDCPA ). I seek documentation that shows my agreement with the original creditor, a final account statement, a breakdown of the total amount owed, and details of any additional charges. 
Below are the accounts listed on my consumer report that are affecting my credit score, and I am disputing the debt that is claimed to be mine : Sunrise Credit Service Account Number : XXXX I request that this debt not be reported to credit agencies. If it has already been reported, please notify them of the dispute or remove the entry. Under the FDCPA, I ask that you cease further communication regarding this debt. 
Thank you. 
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