vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 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:
I am filing this formal complaint against multiple credit furnishers and credit reporting agencies for their repeated violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. The information listed below is inaccurate, unverifiable, and being reported unlawfully on my credit profile. Despite my rights under federal law, these accounts continue to appear, causing me harm. 

XXXX. Wrong / Fraudulent Addresses Reported XXXX XXXX XXXX XXXX XXXX, CA XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Wrong Address I have never lived at these addresses. Reporting inaccurate personal information is a direct violation of FCRA 604 and 607 ( b ), which require CRAs to ensure maximum possible accuracy of consumer information.

2. Inaccurate / Unverifiable Accounts XXXX XXXXXXXXXXXX XXXX  High Balance {$490.00} Opened XX/XX/XXXX Late Payment XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX High Balance {$2400.00} Opened XX/XX/XXXX Charge Off XXXX  XXXX XXXXXXXX XXXX High Balance {$210.00} Opened XX/XX/XXXX Charge Off TXXXX XXXX XXXX XXXXXXXXXXXX XXXX  High Balance {$34000.00} Opened XX/XX/XXXX Charge Off XXXX XXXX XXXX High Balance {$18000.00} Opened XX/XX/XXXX Late Payment XXXX XXXX XXXX High Balance {$24000.00} Opened XX/XX/XXXX Charge Off XXXX XXXX * High Balance {$4300.00} Opened XX/XX/XXXX Collection These accounts are either obsolete, unverifiable, inaccurately reported, or fraudulent. Many of these creditors have failed to validate the alleged debts, yet continue to furnish negative information. This constitutes willful noncompliance under FCRA 623 and violations of FDCPA 809 ( b ) regarding debt validation. 

XXXX. Unauthorized / Improper Inquiry XXXX  XXXX XX/XX/XXXX Inquiry This inquiry was not authorized by me, constituting a violation of my privacy under FCRA 604 ( a ) ( 2 ).

Legal Grounds for Complaint FCRA 607 ( b ) : Duty of CRAs to ensure maximum accuracy.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers must not report inaccurate information.

FCRA 611 : I have the right to dispute and request deletion of unverifiable accounts.

FDCPA 809 ( b ) : Right to debt validation before collection reporting.

The continued reporting of these wrong addresses, unverifiable accounts, and unauthorized inquiries is reckless, negligent, and damaging to my credit reputation.

Requested Resolution I am demanding the following immediate corrective actions : Permanent deletion of all wrong addresses from my credit report. 

Permanent deletion of the above-listed inaccurate accounts, charge-offs, collections, and unverifiable negative items. 

Removal of unauthorized inquiry dated XX/XX/XXXX by XXXX XXXX. 

Written confirmation of these deletions and corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am submitting this complaint regarding the abrupt and unexplained closure of my Cash App account, which is serviced by XXXXXXXX XXXX I am a public school teacher and I have used this account responsibly for personal transactions, primarily to send and receive money from family and friends, and to manage travel-related expenses. 

Earlier this week, on XXXX XX/XX/XXXX, I received a notification that my account had been permanently closed due to alleged violations of the Cash App Terms of Service. However, no specific details were provided. I contacted customer support multiple times to request clarification, but I was only told that activity was found that violated the termswith no explanation of what activity or which line item in the terms was supposedly breached. 

This lack of transparency is deeply concerning. As an educator, I rely on financial tools like Cash App to manage everyday expenses. I do not engage in fraudulent behavior, nor do I have the means or intent to do so. I maintain a clean financial record and have never received any prior warnings or flags on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MA

Complaint narrative:
On XX/XX/XXXX, I saw on my online banking account that my XXXX XXXX had dropped suddenly from the high XXXX to XXXX. I have never taken out a loan or owed any debts, and I always pay off my credit card, so I requested a free credit report from Experian to see what was going on. On the report, a debt collections account ( beginning in XXXX ) associated with Sunrise Credit Services and XXXX XXXX XXXX was listed as having been opened against me on XX/XX/XXXX, last updated XX/XX/XXXX. It has a balance of {$1200.00} dollars. I have no knowledge of this money or account. 

There was also an unknown address listed, XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I have never visited or lived in Texas. 

Between XX/XX/XXXX and XX/XX/XXXX, I have set up credit freezes and initial fraud alerts with Experian, TransUnion, and Equifax. I have not contacted or been contacted by Sunrise Credit Services, anyone claiming to be them, or any other alleged debt collectors. I have not yet filed an identity theft report with law enforcement or any other organization.

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 2025-09-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lien Receivables LLC
State: CA

Complaint narrative:
Lien Receivables LLC is attempting to collect a debt on behalf of XXXX XXXX XXXX. I was first notified XX/XX/2025 by XXXX XXXX from Lien Receivables LLC via email. He has used condescending and threatening language through our emails in my attempts to dispute and validate the debt being claimed. My last email was asking for more documentation to prove the lien followed CA Law because the dates were inconsistent. I believe his response violates FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
Hello, I have co-signed my daughter in XXXX  doing time of her paying car payments Kia keep telling credit bureau my payments X that means they not receiving are payments, they have stopped us for getting stuff in my name with incorrect info on my credit report, they keep sending lies to credit bureau that we haven't made payment in 7 years are it's late they only reported few payments on me and my daughter credit report since that time everything is negative on are reports with inaccurate info, I have been disputed with XXXX every other month they don't do anything either they don't let me know if it has been updated they got to point they don't update my credit report are except my dispute at XXXX I have pay off this car in XXXX I don't owed them anything, I want Kia contact all three credit bureau and update my payments plus i don't owe them anything. They have been problem since day one, I want to get pass these XXXX  peoples If i paid car for 7 years why i have negative on my credit report i want this fix ASAP

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 2025-09-13 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-09-14 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: CT

Complaint narrative:
XXXX XXXX, this company reports XXXX  different accounts on my credit report. this company also closed the XXXX  accounts on my credit report. In the history of me having credit i never opened XXXX  accounts with any creditor, these accounts only report to EXPERIAN which means it may have been suspicious activity with Experian and XXXX  protaining to accuracy, I XXXX XXXX is demanding a terror investigation on these XXXX accounts.

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 2025-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I received a PayPal MasterCard credit card in the mail that I never ordered. I called their customer service from the back of the card and asked why it was sent to me. They told me it was for my own convenience. I told them I never ordered it and they said they understood I didnt but they believed the general public wanted this so they sent them out. I told her I do not want a credit card and that this was a MasterCard. It was not a regular PayPal account. I told her this MasterCard had a XXXX  % APR. And I wanted it deleted not merely canceled because I do not want it showing on my credit report that I canceled a credit card. I do not want this card. I never was asked if I wanted it and I never ordered it. It just showed up in the mail. She stated that they sent me an email giving me 30 days to deny it. I told her I never got the email and that that was illegal. They can not simply send a credit card out to somebody who does not want one.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 
Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent 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 2025-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I recently filed a complaint about the credit card company had reported a late payment when it hadn't been 30 days past the due date. But I forgot to note they have don't this to me before any of the late payments I had with them weren't past 30 days after the due date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: World Acceptance Corporation
State: SC

Complaint narrative:
World Finance parent company is XXXX, XXXX finance that sold a debt to XXXX XXXX capital XXXX XXXX offered me a settlement for deletion. I paid the settlement for deletion XXXX XXXX XXXX  removed it from my credit with the original predator will not theyre still showing that its an active payment and theyre still not deleting it off my report, which is bringing my payment history down and also showing a derogatory after theyve been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On XX/XX/year>, a third party app ( XXXX ) sent my paycheck over to a closed PNC account as that was what unfourntely ( and brought this hell upon me ) listed to receive the payment. XXXX has sent me proof that the paycheck has been posted to the PNC account, I will leave their conformation below ). After hours of being on the phone/in person with PNC. No one can help me, they can barely find my account and it feels like everyone is severely under experienced. I've tried everything in my power to get answers with no resolve. PNC keeps telling me the account is closed and no payment was sent there and XXXX keeps telling me that the paycheck was posted there. Between XXXX and PNC I want answers. I've gone weeks without my paycheck, there is no higher power to turn to apparently, just bank tellers no experts. I'm tired of a this bank constantly struggling to find an account that was open for years. I'm tired of the excuses. I want to know where my paycheck is, I want to know if PNC is holding it. Again, XXXX swears PNC has it and PNC hasn't been any help. they should be able to tell me if the money was sent back to XXXX and they can't, they can't do anything appearantly. In all my life I've never heard of a paycheck just disappearing. If it didn't go back to XXXX PNC has it, and XXXX is strongly claiming PNC has not released my check. I've been lied to about receiving documents, I've been told my check was going to be sent to me. I'm missing a paycheck of {$390.00} and I want every single penny. I don't have anyone else to go to, no one at PNC can help me. XXXX wa n't to understand why two business are being so deceitful about my paycheck. PNC, where is my check??? Why can't anyone help me? Why are your bank tellers so unexperienced?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: West Capital Lending, Inc.
State: VA

Complaint narrative:
I specifically gave this lender my MAILING address to use for all correspondence. My home address was provided as required to show where I reside ; however, I have protection under laws in the State of Virginia to explicitly not have my home address used for mailing correspondence ( which would then reduce marketing as well ). This lender has put me in jeopardy of my home address being made public by now beginning to send correspondence to my home instead of to my mailing address. My home address is not on my drivers license due to the protections afforded to me as a victim yet they have no way to correct this - I have tried reaching out to the company, submitting their online form to " remove myself '' from correspondence but their form is greyed out for " submit '' so I have no recourse. I would like this rectified immediately before they continue to sell my information for marketing purposes.

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 2025-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX I became aware of fraudulent activity on my credit card in the amount of {$10000.00}. Once I became aware of this I immediately called Bank of America and reported the fraud. This claim was denied and I was provided minimal information as to why. I have since reported the fraud 3 more times and been denied all 3 times. I have spoken with over a 10 Bank of America fraud specialists and have been given incorrect or conflicting information on numerous occasions. While a couple of the fraud specialist were kind and helpful, most have been rude and dismissive. I was told Bank of America had hired a lot of new people and they didn't know what they were doing ( from Bank of America employees ). No one could tell me why my claim was denied. I asked to receive the paperwork via mail as the claim resolution states is my right to do so and was told on two separate occasions they would send it to me. I never received it. I was then told no documentation existed. After my 2nd claim denial I submitted a complaint here on the CFPB. Someone from bank of america called me after I filed the claim one time during the day and I was unable to answer the phone. I called her back at least 8x over the next 3 weeks and she never called me back. I then submitted another fraud claim and someone sent me a resolution letter via email to close this complaint out. The letter only said " The merchant provided documentation confirming you received the merchandise or service ''. I have called the person that sent me this letter, but I have not received a call back. Someone hacked my apple account and then used my bank of america card on my apple pay, so it seems like it's obvious the merchant confirmed the service was received. At this point, I am at a loss with what to do. Bank of America has been excruciatingly difficult and provided a lack of insight into their decisions. I did not make these charges, yet they will not approve my claim nor provide sufficient evidence of their decision. They will not respond to my attempts to talk to someone nor provide me with a straightforward answer and evidence.

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 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am submitting this formal complaint regarding serious inaccuracies appearing on my credit reports maintained by the nationwide consumer reporting agencies. The following incorrect information is being reported : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CO XXXX Wrong Address ( appearing multiple times ) This address is not, and has never been, associated with me. Its inclusion on my credit report is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The reporting of this false and unverifiable address causes confusion, damages my creditworthiness, and raises concerns of potential mixed-file errors or identity-related issues. Despite my efforts to correct this matter directly with the credit reporting agencies, the inaccurate information remains. 

I am requesting that the CFPB take immediate action to investigate this matter and compel the consumer reporting agencies to : Remove all references to the false address ( es ) listed above. 

Ensure my credit file reflects only accurate and verifiable identifying information. 

Provide me with written confirmation once the corrections have been completed.

Company response to consumer: Closed with non-monetary relief