vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 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: AL

Complaint narrative:
In 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 168b permissible purposes of consumer reports. 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 inaccurate. 
ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX * * * * ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX * * * * ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX * * * * ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX * * ACCOUNT XXXX XXXX XXXX XXXX  ACCOUNT XXXX * * ACCOUNT XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  ACCOUNT XXXX * * * * ACCOUNT NAME : XXXX  ACCOUNT XXXX * * * * ACCOUNT NAME : XXXX  ACCOUNT XXXX * * * * ACCOUNT NAME : XXXX  ACCOUNT XXXX * * * * has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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 inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than XXXX years 15 U.S.C. 1681s-2 ( A ) ( XXXX ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-06-07 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: AL

Complaint narrative:
In 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 168b permissible purposes of consumer reports. 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 inaccurate. 
ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX * * * * ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX * * * * ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX * * * * ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX * * ACCOUNT XXXX XXXX XXXX XXXX  ACCOUNT XXXX * * ACCOUNT XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  ACCOUNT XXXX * * * * ACCOUNT NAME : XXXX  ACCOUNT XXXX * * * * ACCOUNT NAME : XXXX  ACCOUNT XXXX * * * * ACCOUNT NAME : XXXX  ACCOUNT XXXX * * * * has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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 inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than XXXX years 15 U.S.C. 1681s-2 ( A ) ( XXXX ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-06-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Holding Company, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX Avant , LLC was mailed a check by XXXX XXXX on my behalf in the amount of {$19000.00} to the following address XXXX XXXX XXXX XXXX IL, XXXX. On XX/XX/year> the check was cashed by Avant , LLC and has yet to be credited to my account. I submitted verification of the transaction to Avant as requested and continue to receive no response. In fact, they have contacted me requesting a payment. I talked to them daily from XXXX and continue to get told they are not able to locate the money or they are still working on it, depending on who I speak with. I also have emails in which I was told to email, then I was told to call, then I was told to email. I have been working very hard to fix my credit and sickened by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TN

Complaint narrative:
I can not sell any of my stocks on cashapp and this has led to financial loss. Whenever I try to sell it says We ran into a hiccup. Please try again later it has been doing this for 3 days now. I contacted cashapp and I havent gotten an update or notice on my case. Cashapp is holding my money illegally without any proper explanation and it has made me have financial loss. Cashapp has my money locked up and I have no control over it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: GA

Complaint narrative:
To whom it may concern : UNKNOWN CREDITOR / INFORMATION WITHHELD - XXXX balance of XXXX has been reported to the Credit reporting agency with falsified and inaccurate information. The credit reporting agency has listed information about an account that is not mine and has failed to reveal the creditor, which suggests fraudulent information was reported. I have never had an account with a creditor, and requested validation of this debt due to fraud and inaccurate reporting to or by the credit bureau. I have received a copy of my credit report. To my surprise, you are reporting this account shown above as false with the intent to ruin my reputation and name. 

This collection account is reporting not only as OPEN as of XX/XX/XXXX but also shows a XXXX XXXX XXXX Collection Account 1 past due as of XX/XX/XXXX, past due balance XXXX XXXX XXXX  which is shown above as false information I do not have an open active or validated account with UNKNOWN CREDITOR / INFORMATION WITHHELD According to FCRA, I have the right to accurate credit reporting. 

Please remove UNKNOWN CREDITOR / INFORMATION WITHHELD act XXXX XXXXXXXX account immediately upon receiving this information from my credit report as a collection. Please provide me with a copy of my new credit report reflecting removed from reporting as collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I also requested that they tell me what organization I file a complaint with and they told me they didn't know. I requested confirmation numbers after speaking to reps that told me conflicting information. I asked for employee identification numbers. Some people have given me confirmation numbers and initials of last names and others did not and said they were not allowed to do that. 

I deposited money into a brokerage account through SOFI as they had a promotional offer. I did not receive the promotional offer. The bank account that the money came from had a fraud issue. This account was closed by my other bank and they imediately opened a different account. This happened around XX/XX/XXXX. XXXX did not tell me that this was going to be an issue and I have been trying to figure out how to transfer funds out and have not been able to. Reps have given me different explanations as to what is going on. As of last week I am being told that I can not access my money due to a securty hold on their end until XX/XX/XXXX. Everyone I talk to gives me a different answer. Mean while I have not had access to my money for over a month and this continues. They will not provide me with anything concrete. I need to pay my bills. I need to be able to take the money out. As of right now I have no idea how to get this security hold lifted. They keep telling me to wait XXXX more days and it will be lifted and then when that date comes around it is like I have to start all over again and wait longer. Everyone I talk to tells me something different. No one responds to the secure messages or emails. When I call people will not send me the information I am requesting. There is no end in sight at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian supposed to remove negative account ending in XXXX there federal trade identity report on filed

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
A {$6000.00} collection account appeared on my TransUnion credit report in XX/XX/XXXX. It lists an open date of XX/XX/XXXX and a balance of {$6000.00}, although the high credit amount is only {$4300.00}. This discrepancy was never explained or itemized. The collection is reported under the generic name Collection and does not include a legally required company name, preventing me from identifying or validating the debt.

I sent a certified dispute letter to TransUnion, along with proof that this debt belongs to my deceased mother not me. I included a notarized affidavit, a copy of the collection report, and my ID to verify that this account is not mine. TransUnion has not provided any documentation validating the debt or confirming the identity of the reporting party.

This reporting appears to be illegally re-aged to make the account look newer than it is, which violates FCRA Section 605 ( c ). Reporting an unverifiable, inflated, and misattributed debt violates my rights under FCRA Sections 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 1 ) ( A ).

I am requesting a full investigation and removal of this account if it can not be verified with complete documentation and legal collection agency details.

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am a victim of identity theft, confirmed through my FTC Identity Theft Report ( # XXXX ). Equifax is knowingly reporting false names, fraudulent addresses, employers Ive never worked for, and unauthorized hard inquiries on my credit filedespite receiving legal documentation and a formal dispute. 

I was incarcerated during the time most of these accounts and inquiries were created. There is no legal or factual way I could have authorized them. This information is causing severe emotional and financial harm and violates my rights under the Fair Credit Reporting Act ( FCRA ) including : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Equifax is required to block all data connected to identity theft upon receipt of an identity theft report FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy FCRA 1681b ( c ) : Unauthorized inquiries without permissible purpose FCRA 1681i : Failure to conduct reasonable reinvestigation FCRA 1681n and 1681o : Willful and negligent noncompliance I gave XXXX 4 calendar days to correct these violations and provided my FTC report . They have failed to comply. I am requesting immediate enforcement action and permanent removal of : All unauthorized Equifax inquiries Fraudulent names ( XXXX XXXX, etc. ) Fraudulent addresses False employer data This ongoing harm is unacceptable. I am prepared to pursue civil litigation for emotional distress and statutory violations if Equifax continues to ignore federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I'm located in another state right now and I explained to them that I called i yesterday to make my payment which they do not won't to wave the late fees but I'm in another state and we are actually an hour back which is Texas so technically I'm not late because I'm not in Virginia they do not want to wave the late fee I asked to speak to upper management there saying I can't be transferred to them that she can handle it. Every time I call back I got the same supervisor XXXX and there refusing to transfer me to another one

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
b"My target  circle  card  supposed  to be a Mastercard  or visa  and my temporary  limit waXXXX XXXX  they mislead  my and gave me the regular  store card also my credit limit  supposed  to be XXXX XXXXy credit score on XXXX XXXX XXXX XXXX XXXX XXXX And my account  is XXXX XXXX XXXX XXXX   my complaint  is that TD bank gave me a small  limit and I couldn't  buy my kids clothes  it's very embarrassing  and my credit  score is high"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
This is a follow-up to a previously filed identity theft complaint. I discovered that ChexSystems is still reporting fraudulent information under my name, even though I have already submitted proper identification and supporting documentation in a prior dispute. 

While other accounts were removed, ChexSystems continues to report inaccurate data tied to identity theft, specifically involving the following institutions : XXXXXXXX XXXX XXXX XXXX XXXX XXXX These accounts were opened without my knowledge or authorization. I have never held any relationship with either of these banks. I have submitted a valid government-issued ID and completed CFPB report verifying my identity. 

Under FCRA Section 605B [ 15 U.S.C. 1681c-2 ], ChexSystems is required to block and remove fraudulent information from my consumer file within 4 business days of receiving proper documentation.

If these accounts are not removed immediately, I will proceed with legal action for continued harm and noncompliance with federal consumer protection law under FCRA Sections 616 and 617.

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 2025-06-07 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am submitting this complaint regarding multiple violations of my consumer rights involving Midland Credit Management , Inc., XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 

Summary of key issues : Unauthorized disclosure and sale of personal information : On XX/XX/XXXX and XX/XX/XXXX, XXXXXXXX XXXX disclosed and sold my personal information ( accounts ending in XXXX and XXXX ) to Midland Credit Management XXXX Inc. without my knowledge or consent. This was done in violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

Debt collection violations : Midland Credit Management , Inc. and XXXXXXXX XXXX  have pursued debt collection without providing proper validation or required disclosures, and have reported information that was not accurate, violating the Fair Debt Collection Practices Act ( FDCPA ). 

Improper garnishment : On or about XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX and Midland Credit Management initiated wage garnishment proceedings against me without my consent, without proper notification, and without following required Georgia or federal legal procedures. 

Identity theft and fraud : I have experienced negative impacts to my credit report and financial standing as a result of the above, including attempts to collect debts that were not valid or were the result of unauthorized transactions. 

Failure to address consumer disputes : Despite my written disputes and requests for investigation and correction, none of the parties listed above have taken corrective action or responded adequately to my concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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