vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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: RI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-17 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
After reviewing my credit profile report I noticed a few accounts that were opened in my name that I did not open, I contacted the companies and they refused to remove them, I also submitted multiple disputes and the credit agency but nothing happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: VT

Complaint narrative:
Yesterday cash app tried to pretend to be XXXX  and charge my linked bank XXXX $ then another charge for XXXX $ or XXXX $ then another for XXXX $ and another right after for XXXX $ and then XXXX XXXX 
Right after I uploaded my id to cash app to verify it was me for crypto asset my linked bank was getting charged thousands. 
I have XXXX kids and no funds now. 
Was my tax return money to. 
Cash app I dont belive is honest and I belive is the one them selfs doing it. Never have I ever had this issue till just right after I uploaded my id to them. 
All my banking was froze. Card hard to be canceled. Assests frozen. I cant even withdraw the money on cash app off without them charging me or wanting me to allow them access to my other account when I denied it. 
Cash app is using third party fraudulent people to scam those on cash app and dont want to do it on their own platform so thats why they pull it from the linked accounts. Immediately after I removed my bank from there they tried to go after my XXXX ACCOUNT. 
Cash app just ruined my life

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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 want my credit report to only reflect accurate information and I hope you know that I take my credit seriously. It's frustrating for me because Ive worked hard to build my credit, and to see it negatively affected by inaccuracies that arent my fault is very disappointing. I'm deeply concerned about the errors on my credit report and these mistakes are causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair. It is stressing me out and making me anxious.

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 2025-04-17 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 writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-17 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: OK

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: GA

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 non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My credit matters a lot to me and so, I took a look at my credit report and found some big mistakes that are really hurting my score. Im really worried about the mistakes on my credit report. These inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent my fault. I need you to make sure all this information is 100 % correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In XXXX with the XXXX XXXX XXXX. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B - 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 ACCOUNTS : XXXX RECVRY - Account number - XXXX Balance : {$22000.00} / Date opened ; XX/XX/XXXX XXXX XXXX XXXX - Original creditor : CREDIT XXXX BANK N.A. 
Account number - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX BANK XXXX XXXX. 
Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXX UNIVERSITY XXXX Account number - XXXX XXXX XXXX Reported : XXXX XXXX, XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( 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 in accurate.

15 USC 1681i ( 5 ) 15 USC 1681i ( a ) 1 15 USC 1681i ( a ) 6 ( B ) 3 15 USC 1681i ( a ) ( 5 ) B 15 U.S.C 1666 B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g LATE PAYMENT 15 USC 1681 BA2 LATE PAYMENT 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

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 2025-04-17 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:
In XXXX with the XXXX XXXX XXXX. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B - 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 ACCOUNTS : XXXX RECVRY - Account number - XXXX Balance : {$22000.00} / Date opened ; XX/XX/XXXX XXXX XXXX XXXX - Original creditor : CREDIT XXXX BANK N.A. 
Account number - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX BANK XXXX XXXX. 
Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXX UNIVERSITY XXXX Account number - XXXX XXXX XXXX Reported : XXXX XXXX, XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( 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 in accurate.

15 USC 1681i ( 5 ) 15 USC 1681i ( a ) 1 15 USC 1681i ( a ) 6 ( B ) 3 15 USC 1681i ( a ) ( 5 ) B 15 U.S.C 1666 B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g LATE PAYMENT 15 USC 1681 BA2 LATE PAYMENT 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I mailed a dispute letter to Equifax via XXXX mail, challenging inaccurate and unverifiable information on my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. The disputed items include : Negative Accounts Reported as Derogatory Despite On-Time Payments : Account Name : XXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX Account Name XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX BANK XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX, Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX, Account Number : XXXX These accounts are inaccurately reported as derogatory, despite my credit report and payment records showing a consistent history of on-time payments. This contradicts the reported status and violates FCRA Section 623 ( a ) ( 1 ), which requires accurate and verifiable reporting by furnishers and credit bureaus. 
Inaccurate Bankruptcy Reporting : Equifax continues to report a bankruptcy on my credit report, despite its removal from XXXX ( XXXX XXXX : XXXX ). I specifically requested documentation verifying the bankruptcys validity, as Equifax is obligated to provide under FCRA Section XXXX ( a ) ( XXXX ), but no such evidence has been furnished. 
To ensure compliance with FCRA XXXX verification requirements, I enclosed copies of my government-issued ID, Social Security XXXX XXXX and proof of address with my dispute letter. I also requested detailed verification records for both the negative accounts and the bankruptcy, as mandated by FCRA. Despite these efforts, Equifax has failed to respond, investigate, or correct the inaccuracies within the XXXX period required by FCRA Section XXXX XXXX a ) ( XXXX ). 
On XX/XX/year>, I mailed a follow-up dispute letter to Equifax, including a copy of my original XX/XX/year>, letter, to reiterate my request for investigation and removal of these items. Equifaxs continued failure to address my disputes constitutes a willful violation of my consumer rights under FCRA, causing significant harm to my creditworthiness and financial opportunities

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: MI

Complaint narrative:
Equifax Has Failed To Investigate An Delete An Account I Disputed Multiple Times Even Though Documentations Shows The Inaccuracy Of Dates Which Is Highlighted Or Bold On Documents I Will Provide ( Some Payment Receipts But Not All ) And Now Even More To Add I Have A Email Thread With This Collection Agency And Them Boldly Lying And Being Crooks. I Have Already Reported The Collection Agency To The CFPB & Attorney General. This Is My XXXX XXXX XXXX Equifax To You All & I Have Also Reported Them To The XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: GA

Complaint narrative:
On XX/XX/year> I disputed XXXX inquiries on my Equifax credit file. The inquiries was for XXXX XXXX and XXXX performed on XX/XX/year>. Equifax did not do a through investigation. I contacted XXXX and XXXX and was informed that Equifax did not reach out to them about an inquiry performed on XX/XX/year>. XXXX XXXX XXXX was having issues it was only a prequalify soft pulls for XXXX they are not sure how it hard pulled my credit report they suggested that I dispute the inquiry and I did. Equifax could not have verified that inquiry and received a response back from XXXX in less XXXX hours. Also XXXX informed me they didn't receive anything from Equifax either. Equifax you know this a FCRA violation you didn't complete and do a full investigation neither did you reach out to XXXX or XXXX credit union. 15 USC 1681 states the credit reporting agency must conduct a investigation that's accurate and complete. Because of the incomplete investigation I would like these inquiries removed immediately. I have the disputes results Equifax provided to me on XX/XX/year>. I submitted the dispute on XX/XX/year> XXXX and XXXX stated they were not notified about the dispute or inquiries. So how to Equifax come up with the conclusion that the inquiries were factual based on who's investigation. Also please provide who provided Equifax with the factual information. Please and thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I requested debt validation and all I got was a statement of the credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
b'I have never ever had an account with XXXX XXXX nor have I ever had an account with XXXX XXXX XXXX They sent a harassing email to my account referencing XXXX XXXX. My name is not XXXX XXXX yet they send me debt collection notices bothering me. It is a scam, saying a debt is owed for XXXX XXXXXXXX XXXX XXXX for a account ending in XXXX  which I do not have a Master Card. It lists the address as XXXX XXXX XXXX XXXX XXXX and I live in XXXX another flag that this is a scam. Citing XXXX is owed as of XXXX XXXX XXXX The scammer is asking that I dispute this debt by XXXX XXXX XXXX asking me to click on a link so they can still my private information\n\nXXXX account number they reference unknown to me XXXXnphone XXXX XXXX mailing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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 have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-17 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: ME

Complaint narrative:
I have disputed this account several times and was just now made aware that I needed to file for fraud to get this resolved. I contacted Jefferson Capital Systems regarding this account and they could not provide any information as they sent this to another creditor which they provided a contact number which I called and got the same results, they to could not give me any information on this account and told me to just pay my bill and hung up on me. I contacted Jefferson Capital again explaining what happened and again they would not assist in any help or information because they dont handle cases for XXXX  XXXX. For starters, I can provided statements that XXXX XXXX publicly announced in XXXX that they will no longer provided cellular service in the XXXX XXXX XXXX areas and fortunately this is the county I have resided in since XXXX. Second, my credit has been in poor standings for several years which prevented me from acquiring any credit options such as cell phone service, credit cards and so on. I have been on my husbands cell phone service for the past XXXX years and until XXXX  year agon I was finally able to obtain my own account through XXXX. 
I am requesting that you block all information from Jefferson Capital Systems from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I am also requesting that you notify the furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: NM

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 non-monetary relief