vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-28 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:
I am rebutting the handling of my complaint against XXXX XXXX XXXX XXXX. 

While I understand the CFPB referred my complaint to another agency, I need to make it clear that this matter involves more than just a private dispute. XXXX XXXX XXXX XXXX not only furnished inaccurate information that is damaging my credit reports, but also threatened to have me arrested, which is an intimidation tactic and completely inappropriate for a financial institution to use against a consumer.

This is not just a regulatory matter ; this is a violation of my consumer rights. Under the Fair Credit Reporting Act ( FCRA 611, 15 U.S.C. 1681i ), I have the right to dispute inaccurate or harmful information, and under FCRA 605B [ 15 U.S.C. 1681c-2 ], furnishers must block fraudulent information once a valid identity theft report is provided.

I am requesting that TransUnion, Equifax, and Experian also be made aware of this matter so they understand that the information reported by XXXX is being actively disputed and is tied to unlawful threats made against me. The continued reporting of this account, combined with the intimidation I experienced, has caused me severe emotional distress, financial harm, and further damage to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: FL

Complaint narrative:
I am rebutting the handling of my complaint against XXXX XXXX XXXX XXXX. 

While I understand the CFPB referred my complaint to another agency, I need to make it clear that this matter involves more than just a private dispute. XXXX XXXX XXXX XXXX not only furnished inaccurate information that is damaging my credit reports, but also threatened to have me arrested, which is an intimidation tactic and completely inappropriate for a financial institution to use against a consumer.

This is not just a regulatory matter ; this is a violation of my consumer rights. Under the Fair Credit Reporting Act ( FCRA 611, 15 U.S.C. 1681i ), I have the right to dispute inaccurate or harmful information, and under FCRA 605B [ 15 U.S.C. 1681c-2 ], furnishers must block fraudulent information once a valid identity theft report is provided.

I am requesting that TransUnion, Equifax, and Experian also be made aware of this matter so they understand that the information reported by XXXX is being actively disputed and is tied to unlawful threats made against me. The continued reporting of this account, combined with the intimidation I experienced, has caused me severe emotional distress, financial harm, and further damage to my credit standing.

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 2025-09-28 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: AR

Complaint narrative:
reviewed my credit reports and identified multiple inaccurate and unverifiable negative accounts and unauthorized hard inquiries being reported. These accounts and inquiries do not belong to me, nor have they been verified with original creditor documentation as required under the Fair Credit Reporting Act ( FCRA ). I submitted formal disputes to the credit bureaus on [ insert date ] requesting deletion of all inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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: AR

Complaint narrative:
reviewed my credit reports and identified multiple inaccurate and unverifiable negative accounts and unauthorized hard inquiries being reported. These accounts and inquiries do not belong to me, nor have they been verified with original creditor documentation as required under the Fair Credit Reporting Act ( FCRA ). I submitted formal disputes to the credit bureaus on [ insert date ] requesting deletion of all 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 2025-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
An American Express account ( XXXX ) ( Account XXXX : American Express - XXXX ( Account XXXX : American Express - XXXX ( Account XXXX : American Express - XXXX ( Account XXXX : American Express - XXXX ) is being reported on my credit report. I am not responsible for this debt. 

Over a year ago, I contacted American Express to dispute the above accounts. I formally requested that they provide me with documentation proving I am legally obligated to pay these debts. Specifically, I requested a copy of the signed application agreement and the itemized statements. 

American Express has failed to provide any validating documentation. They have been unable to prove that I have any responsibility for these accounts. Despite their inability to verify the debt, they continue to report it to the XXXX major credit bureaus ( XX/XX/XXXX, and XX/XX/XXXX), which is severely harming my credit score and my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: WA

Complaint narrative:
I have an acct with keybank. I keep my card locked when I'm not using it to prevent any theft or skimming as I had an issue with this XX/XX/XXXX years ago. I was advised to keep card locked when not in use. Today I needed to unlock my card to buy food and it said their website was down for maintenance. I have no texts or emails advising me of this maintenence as they said I'd of been notified. I called customer service and they will not unlock my card for me. They refused. I have no access to my money at all. So my options are to leave it unlocked where theft could occur or leave it locked and have no access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: NJ

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am submitting this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Equifax with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXXXXXX XXXX XXXX XXXXXXXX, which furnisher confirmed would be removed but remains on my report ; its is an identity theft related and should have been blocked under 1681c-2 of the FCRA. Equifaxs refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Arivo Acceptance, LLC
State: TX

Complaint narrative:
I have an account with Arivo Acceptance reflecting on my credit report. This account is negatively impacting my score because XXXX XXXX  has this account listed as closed/charged off but theres a high balance of {$39000.00} reflecting on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: SC

Complaint narrative:
According to F C R A section XXXXB it is illegal to report information on my credit report without my permission. Thank you please remove this for my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
I have been trying to order a cashapp card through there app but it will not allow me to do so and I have contacted support several times again and again and I am still not able to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Credit Central Holdings, LLC
State: SC

Complaint narrative:
According to F C R A section XXXXB it is illegal to report information on my credit report without my permission. Thank you please remove this for my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: CA

Complaint narrative:
I am filing this complaint against Experian for failing to conduct a proper investigation and for ignoring direct evidence from the original creditor.

I discovered inaccurate information on my Experian credit report related to an account. The original creditor, XXXX, provided me with a letter on their official letterhead confirming that this account is not my responsibility. I submitted this definitive proof to Experian as part of my dispute.

Despite receiving this clear evidence, Experian failed to conduct a reasonable investigation. They verified the inaccurate information as correct without adequately addressing the evidence I provided from XXXX. This failure violates their legal obligations under the Fair Credit Reporting Act ( FCRA ).

Experian 's refusal to correct this error, even with proof from the source, has caused significant harm to my creditworthiness.

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 2025-09-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: MO

Complaint narrative:
3rd party debt collector This is a re-aged payday loan debt from XXXX XXXX, now being reported by DRS. The debt originated in XX/XX/XXXX ( see attached XXXX XXXX email ), but DRS is reporting it as opened XX/XX/XXXX, XXXX years later. This is unlawful re-aging under FCRA 623 ( a ) ( 5 ). The balance of {$640.00} also appears inflated beyond XXXX payday loan fee limits. Additionally, the loan is time-barred under XXXX XXXX XXXX of limitations. This account should be deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: MA

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft.

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law.

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2.

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries

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 2025-09-29 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: MA

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft.

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law.

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2.

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-28 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: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo fraudulently put a 10 day hold. 
I deposited a large check at my Wells Fargo branch on XXXX of $ XXXX at about XXXXXXXX XXXX It is a permanent partial XXXX settlement check from a XXXX XXXX settlement at work as a law enforcement officer. Its a XXXX claim check. The XXXX of my branch called to verify funds and legitimacy and verified funds were available and check legit!. I signed the check in front of the teller and the XXXX and they told me, and gave me a receipt, that the entire balance would be available the next day, on XXXX. 
In the middle of the night of XXXX or early morning XXXX, XXXX then put a hold on all of the deposit stating my signature did not match my signature card. I went into my branch the very next day, XXXX, and the branch XXXX called corporate explaining it is me and my signature and to release the hold on the funds. They said no. So the branch XXXX escalated it XXXX levels and they still refused. I signed, verified it was me and Wells Fargo corporate held my money knowing its me, it is my signature, and the check is legit! I have no access to MY money for a fraudulent reason stating its not my signature.

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 2025-09-28 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: MD

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 2025-09-28 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: IN

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a formal complaint regarding Cash App ( Square, Inc. ) and the wrongful withholding of my funds. 

On XXXX XX/XX/year>, I sent {$200.00} via Cash App as a legitimate religious offering to my XXXX pastor. The transaction subject included the words pastor XXXX only to indicate the purpose of the offering, not the recipients location. 

Cash Apps automated system flagged this transaction, and my funds have been wrongfully held for 21 days. Despite multiple attempts to resolve this issue with Cash App customer support, the problem remains unresolved, causing significant inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
I am submitting this complaint regarding an account that appears on my Experian credit report from LVNV Funding LLC ( Account Number : XXXX ). 

This account is being reported as a collection with a past due balance of {$720.00}, supposedly opened on XX/XX/year>. I dispute this account because : 1. I do not recognize this debt and have never entered into any agreement with LVNV Funding LLC. 
2. The original creditor is listed as XXXX XXXX Bank XXXX, but I have no valid documentation proving that this account was legally assigned or sold to LVNV Funding LLC. 
3. I have already attempted to resolve this matter directly with XXXX  and the furnisher without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Synchrony Bank, from Amazon purchase. 

I'm unable to make payments with debit card and they are trying to force me to link my bank account and routing instead of just paying the loan off. They seem very untrustworthy. 

I would like to pay it off in full but they are making it impossible in order to collect interest.

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 monetary relief