vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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: TN

Complaint narrative:
XXXX XXXX XXXX have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established in my name. I would appreciate your consideration of this matter while reviewing my credit report and urge you to take appropriate actions to rectify any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: CA

Complaint narrative:
I sent a certified letter to Equifax on XX/XX/year> with tracking # XXXX it shows the delivery date of XX/XX/year> at XXXX XXXX  in XXXX GA. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts : XXXX XXXX - {$4900.00} ( ACCOUNT # XXXX ) Equifax failed to respond. I sent another letter on XX/XX/year> which they failed to respond once again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: NH

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year>, around XXXX XXXX, I woke up to alerts on my XXXX from Bank of America saying there were multiple attempted charges on one of my credit cards. One charge, must have been the first one, went through for the amount of {$1700.00} from a vendor showing up as " XXXX XXXX ''. Then there were multiple attempts that were automatically blocked after that charge from XXXX for the amounts of {$540.00} and {$930.00}. Luckily those did not go through since these large charges were attempted suddenly all at once. However, the first charge of {$1700.00} from XXXX did go through. 
I immediately filed a fraud claim on my Bank of America app. I have been a loyal customer of Bank of America for over 20 years and have rarely had to dispute a charge, but when I have, they have taken care of it. I assumed the same this time. However, I just received my claims update today, XX/XX/year>, and their letter says my claim was denied. I am attaching the claims letter they just sent me, along with dated screenshots from my phone of the attempted charges. 
The reasoning they are denying my fraud claim is because the XXXX purchase online was made to my address. The name is under my roommate 's name, who did not make the purchase. There is no XXXX XXXX with the shipping address, nor has product actually arrived from XXXX. 
In the past - almost this exact same thing happened and Bank of America was able to resolve my issue. Someone had used my credit card info and ordered XXXX XXXX XXXX from XXXX XXXX and had them sent to my address! The scammers then proceeded to call and pretended to be XXXX XXXX to have the iPhones that I did not order be shipped back to them, unknowingly, it was not to XXXX XXXX but to some scammers. A police report was filed and Bank of America had approved my fraud claims, as well as XXXX XXXX. 
This time they are denying it and I wanted to file a complaint here. It is obvious that it is fraud since there were multiple attempts on XXXX at the same exact time this charge was made. 
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 monetary relief
Consumer complaint received 2025-08-16 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: CA

Complaint narrative:
I sent a certified letter to Experian on XX/XX/year> with tracking # XXXX it shows the delivery date of XX/XX/year> at XXXX XXXX  in XXXX TX. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts : XXXX XXXX - {$4900.00} ( ACCOUNT # XXXX ) Experian failed to respond. I sent another letter on XX/XX/year> which they failed to respond once again.

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 2025-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I was reviewing my credit report and noticed inquiries that do not belong 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 explanation
Consumer complaint received 2025-08-16 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I was a victim of identity theft while XXXX XXXX XXXX XXXX XXXX XXXX several accounts, we're open in my name, including 2 American Express accounts. The account numbers are : # XXXX and account # XXXX. Attached/ Enclosed are supported documents of Proof of incarceration etc. from the U.S. Government. Also FTC REPORT. I received the corresponded letters in a mail from American Express. Regarding that, you are aware, my identity theft case and i would like to thank American Express for your concern. I also would like to build a relationship with American Express after all of this get handal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2025-08-16 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: CO

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: AZ

Complaint narrative:
Subject : Complaint Against Equifax Failure to Delete Inaccurate Data I am filing this complaint against Equifax Information Services LLC for failing to comply with the FCRA and XXXX XXXX reporting standards. 

Equifaxs reinvestigation changed my history instead of deleting unverifiable accounts : My XXXX XXXX XXXX  account was modified to reflect a new pattern of late payments that had not previously been reported. This constitutes illegal re-aging and violates FCRA 623 ( a ) ( 1 ) ( A ).

LEAD BANK : Balance and remarks changed without proof ( FCRA 609 ).

Equifax added dispute codes instead of deleting unverifiable data ( FCRA 611 ).

These actions caused harm to my credit score and violate FCRA 607 ( b ) requiring maximum accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I was reviewing my credit report and noticed inquiries that do not belong 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 2025-08-16 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:
Complaint Against Experian Information Solutions , Inc .

Issue : Improper credit reporting / failure to investigate dispute. 

Details of Complaint : I am filing this complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ). 

I disputed a XXXX  XXXX XXXX charge-off account with Experian, requesting verification of the accuracy of the tradeline. In response, Experian verified the account, but provided no documentation. 

I then contacted XXXX  XXXX XXXX directly. Their written response ( attached as XXXX XXXX  ) did not provide validation or supporting documents, such as signed agreements, monthly statements, or records of the alleged debt. Instead, they merely restated information already disputed, without proving its accuracy. 

Despite this, Experian continues to report the XXXX XXXX XXXXXXXX account as accurate. This constitutes a violation of Experians duties under the FCRA, specifically : 15 U.S.C. 1681i ( a ) : Duty to conduct a reasonable reinvestigation.

15 U.S.C. 1681e ( b ) : Duty to assure maximum possible accuracy of information. 


Experian is knowingly reporting information that the furnisher has failed to validate. This has caused and continues to cause harm to my credit and employment opportunities.

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 2025-08-16 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
XX/XX/year> {$100.00} The Residences of XXXX, we paid an application fee upfront in the amount of {$52.00} to apply. We never moved in, we never signed a lease so there was nothing to report as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: NY

Complaint narrative:
am writing to formally dispute the validity of the above-referenced accounts and demand that all collection activities cease immediately. I also request that these accounts be removed from all credit reporting agencies until proper verification is provided. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) : 1. You are required to verify the validity of any debt before continuing collection or reporting.

2. Reporting or attempting to collect a disputed debt without verification is a violation of federal law.

I demand that you : Immediately cease all communication and collection efforts regarding these accounts.

Remove all negative reporting of these accounts from credit bureaus until proper verification is provided.

Provide written confirmation within 15 days that all accounts have been removed and collection efforts ceased.

Failure to comply will result in formal complaints filed with the CFPB, FTC, and your state Attorney General, as well as potential legal action for violations of the FCRA and FDCPA.

I am submitting this complaint regarding the above-referenced accounts. All three accounts are disputed. Despite my prior communications with these companies, the accounts remain on my credit report, and collection attempts continue. 

Details : Midland Credit Management XXXX XXXX : Placed for collection, account disputed by consumer. 
XXXX XXXX XXXX : Placed for collection, account disputed by consumer. 
XXXX XXXX : Placed for collection, account disputed by consumer ; dispute resolved incorrectly. 

Requested Resolution : 1. Immediate removal of all three disputed accounts from all credit reporting agencies.

2. Cease all collection activity until verification of each account is provided. 
3. Investigation into potential violations of the FCRA and FDCPA by these companies. I request that CFPB investigate these matters promptly and provide confirmation that my dispute has been acknowledged and appropriate corrective action has been taken. Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX Accounts : 1. Midland Credit Management XXXX XXXX {$2600.00} Last reported XX/XX/year> Original Creditor : XXXX 2. XXXX XXXX XXXX {$800.00} Last reported XX/XX/year> Original Creditor : XXXX  3. XXXX XXXX {$690.00} Last reported XX/XX/year> Original Creditor : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Central Research Inc
State: MI

Complaint narrative:
I am submitting additional information regarding this account. The company previously stated that I was notified of the loan transfer, but the first communication I ever received from them about how and where to make payments was on XX/XX/year>2025. This directly contradicts their claim. 

I respectfully request that the company provide documented proof of when and how they notified me of the transfer. If they can not provide proof of timely notification, then the late payment reporting is inaccurate and should be removed in accordance with the Fair Credit Reporting Act and federal loan servicing requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Premier Mortgage Resources, LLC
State: UT

Complaint narrative:
We had a loan approval of XXXX. We tried multiple house all of them fell through on the sellers side. We have been in this process for roughly 2 months, at the end of those 2 months we found another house we were interested in, that morning we were to go look at the house, the lender notified us that " he can no longer get an approval for our loan '' we were unsure as to why so we asked. He stated that I have one small ding on my credit and that he can not get the loan to approve now. The one thing on my credit is a single medical bill that was on there when we started this whole process. He would not respond, then my realtor proceeded to contact me and made me aware that he stated to her that one of our family members stated that I was working less hours so he dropped our funding. He gave us a completely different story about the credit, and told us he wont assist us til next year. We have since then found a new lender who has helped us dearly! However i habe recieved the denial letter in the mail that does in fact state, that he recieved information from an affiliate or outside source not related to a consumer reporting agency. And nothing about credit was mentioned on the denial letter in fact it blatantly states that i did not have the funds to close the loan. Which is not necessarily true. I had an fha and a hud approval. I was supposed to close with XXXX earnest money and XXXX down. And i had those funds figured out. He did not verify if I was working he already had several submitted paystubs that showed otherwise.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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 am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-08-16 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and XXXX XXXX for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation