vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$930.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5900.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$29000.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$900.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$770.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collectio

ns appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the
result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: GA

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 2025-09-25 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: NJ

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

XXXX XXXX Bankruptcy 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 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
im not of the amounts but one company is portfolio recovery. Car was repo and taken at the movie theater and never got it back so now I have a balance owed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
Re : Account No. XXXX To whom it XXXX concern : I requested validation of the debt referenced above for account No. XXXX for {$2000.00}. I have never received written inquiries to the above address regarding these allegations. I found out once it hit my credit report. 
Please provide the following : XXXX. Itemized accounting of the amount claimed. 
XXXX. Copies of all contracts, lease agreements, and inspection reports you rely upon to substantiate the claim. 
XXXX. Proof of my legal obligation to pay this debt XXXX. Proof of your legal authority to collect this debt. 

XXXX. The name and address of the original creditor. 
XXXX. A copy of the signed contract or agreement bearing my signature. 
XXXX. A detailed statement of the amount claimed, including all fees and interest. 
XXXX. Pictures of the damage indicated. 
XXXX. Proof that you are licensed to collect debts in my state. 

A dispute was sent over XXXX  days ago to current creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. and collection agency XXXX XXXX XXXX XXXX XXXX to create a solid legal paper trial and request the following since it was never provided before the inquiry hit my credit report. 
XXXX. Copies of all contracts, lease agreements, and inspection reports you rely upon to substantiate the claim. 
XXXX. Proof of my legal obligation to pay this debt. 
XXXX. The name and address of the original creditor. 
XXXX. Proof of your legal authority to collect this debt. 
XXXX. A copy of the signed contract or agreement bearing my signature. 
XXXX. Proof that you are licensed to collect debts in my state XXXX. Pictures of the damage indicated. 

Background Summary of Disputed Debt Account XXXX. : XXXX XXXX Unresolved Maintenance Issues During Tenancy Mold and mildew present in the apartment. 
Severe leak from the above apartment. 
Broken mirror and damaged electrical outlet. 
Leaky toilet. 
Broken dishwasher with mold. 
Stove stopped working within weeks of move-in XXXX XXXX infestation near the end of the lease forced my daughter to vacate XXXX months early. 
Maintenance treatment was ineffective ; she purchased and applied her own treatment products to resolve the issue. 
Security Concerns While the apartment sat vacant with belongings inside, utility usage indicated possible unauthorized access. 
Sons video game was stolen and traced to the maintenance mans son, who admitted to having it. 
Condition Upon Move-Out The apartment was clean with reasonable wear and tear after XXXX years of tenancy. 
My daughter requested a walk-through, but on-site XXXX declined, stating all looked good and took the keys without providing documentation. 
Dispute Summary No prior written notice of any alleged charges was provided before the {$2000.00} amount appeared on my credit report. 
Allegations of excessive damage are false and not supported by the actual condition of the apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : 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
Consumer complaint received 2025-09-25 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/25 These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  inquiries are in fact a 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 2025-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
XX/XX/year>, {$6400.00} I don't have an account with XXXX XXXX nor did I sign anything indicating otherwse

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
After the Balance transfer was approved and an amount of {$5400.00} was deducted from my XXXX  Checking/Savings account, I immediately called B of A to report the error. I requested that this amount be returned to my XXXX account. 

I called BOA almost every day since then, and repeated the error to several customer service representatives I spoke to. 

On XX/XX/year>, I made an appointment with Assistant Branch XXXX XXXX XXXX, who spoke to XXXX. XXXX informed XXXX that I would receive a letter in the mail. On XX/XX/year>, I received XXXX letters informing me that " Charges or fees were applied using the remaining credit. 

After receiving these letters, I went back to the B O A branch and met with XXXX. XXXX called the balance transfers department and spoke with XXXX XXXX, who informed XXXX that after speaking to her XXXX, I would receive a cheque in the next XXXX  days. 

On XX/XX/year>, I received a response that " Unfortunately, you no longer have a credit balance on your account, as charges or fees were applied using the remaining credit. '' I am requesting that CFPB intercede on my behalf and resolve this issue. 

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
Consumer complaint received 2025-09-25 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: NC

Complaint narrative:
What Happened This is a follow-up complaint regarding [ Experian / XXXX  / XXXX  XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXXXXXX XXXX XXXX  ( XXXX ), XXXX ( XXXX ), and XXXXXXXX XXXX XXXX  ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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
Consumer complaint received 2025-09-25 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:
I am formally disputing the reporting of the XXXX XXXX account ( Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my Experian credit file. This account is inaccurate, misleading, and incomplete, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Specific Issues With This Reporting : 1. Conflicting Dates The account shows : Date Opened : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Date Last Active : XX/XX/XXXX Last Reported : XX/XX/XXXX These dates are inconsistent and can not all be accurate. This constitutes an inaccuracy under 15 U.S.C. 1681e ( b ) ( requirement of maximum possible accuracy ).

2. Improper Status Reporting The account is reported as both a Collection/Charge-off and a Derogatory installment loan, which is misleading and constitutes duplicate derogatory characterization, violating 15 U.S.C. 1681i ( duty to reinvestigate disputed information ). 
XXXX. Failure of the Furnisher ( XXXX ) If XXXX continues furnishing this inaccurate information, it violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( furnishers may not report information they know or should know is inaccurate ). 
XXXX. Prior Dispute Ignored Your own record shows Customer disputed account reported by subscriber. This indicates that the furnisher did not properly investigate and verify, violating 15 U.S.C. 1681i ( a ) ( 1 ) and 1681i ( a ) ( 5 ), which require correction or deletion of unverifiable information.not only that I contacted XXXX XXXX directly regarding this account, and the matter has been resolved. XXXX has acknowledged that this account should no longer be reported. Therefore, Experian has no legal basis to continue displaying this tradeline, and under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) you must delete it from my file.

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 2025-09-25 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-09-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: KEYCORP
State: CO

Complaint narrative:
THEY LOST MY PAYOFF HOWEVER I CAN'T JUST GET A NEW CHECK BECAUSE THEY HAVE COLLECTED THE FUNDS OFF THE CHECK. I TRIED CALLING AND WORKING WITH THE XXXX NUMBER AND THE LOCAL OFFICE I ORIGINATED THE LOAN OUT OF. THEY ARE ALL GIVING ME THE RUN AROUND FOR OVER XXXX WEEKS. I ASKED FOR A HEADQUARTERS NUMBER AND THEY REFUSE TO GIVE ME XXXX. I TRIED TO FILE A COMPLAINT ONLINE AND THE FORM GIVES AN ERROR.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: NJ

Complaint narrative:
On XXXX XXXX, I received a notification from Cashapp that {$140.00} was taken from my account without my consent. I disputed this transaction immediately and I haven't received my money back. They gave me {$2.00} for an alleged ATM fee. Every claim I put in was denied. So I'm contacting you to take further action on my behalf.

Company response to consumer: Closed with explanation