vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within XXXX ( XXXX ) business days from the date of receipt of this letter. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX. XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. I expect written confirmation by XXXX BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. Thank you for your immediate action to this issue. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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 XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within XXXX ( XXXX ) business days from the date of receipt of this letter. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX. XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. I expect written confirmation by XXXX BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. Thank you for your immediate action to this issue. 

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 2025-12-01 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: NC

Complaint narrative:
Subject : FCRA Procedural Investigation Failure Demand for Deletion To : Experian Re : XXXX XXXX XXXX  Account XXXX I am disputing the above account because Experian is reporting incomplete and inaccurate information in violation of FCRA 1681e ( b ) and 1681i. 

XXXX responded to my CFPB complaint, but the information they furnished is incomplete and does not satisfy Metro2 reporting standards, nor does it satisfy a proper reinvestigation. They did not provide : The full payment history grid The correct Date of First Delinquency Accurate charge-off details Terms, balance, or status updates Complete Metro2 fields required for accurate reporting Because Experian is reporting incomplete, unverifiable, and inconsistent information, the account must be deleted under : FCRA 1681e ( b ) duty to report with maximum possible accuracy FCRA 1681i ( a ) ( 5 ) unverifiable or incomplete information must be deleted CFPB Regulation V Furnisher Requirements Please delete this account for failure to report in compliance with FCRA and Metro2 standards. 
Do NOT verify this account with the furnisher. If you can not obtain full itemized records and method of verification, you must delete it. 

Attached : CFPB complaint + XXXX  response, screenshots, and supporting documents. 

Sincerely, 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 2025-12-01 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: Source Receivables Management LLC
State: PA

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my WET signature & explanation of the amount and how it was calculated. I am requesting this account gets removed from my account as it does not belong to be and is unlawfully being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I am filing this complaint because Equifax has failed to properly investigate several unauthorized hard inquiries on my credit report. 

I disputed these inquiries XXXX  online, and XXXX  times Equifax responded with the same boilerplate template stating the inquiries were verified. They did not contact the companies, did not request evidence, and did not provide any documentation. 

I then mailed a certified Method of Verification ( MOV ) request, which is currently in transit to Equifax, asking for : How the inquiries were verified Which documents were used The name of the person/department that performed the verification Before even receiving my MOV letter, Equifax sent me another response stating only : The inquiries are factual. 

This is not a valid reinvestigation. Equifax provided no documentation, no verification details, and no explanation. FCRA 611 ( a ) requires a reasonable reinvestigation. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) requires the credit bureau to provide the method of verification upon request. Equifax has not complied. 

Equifax has repeatedly refused to conduct a proper reinvestigation and continues to report inquiries that have not been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I, XXXX XXXX, declare under penalty of perjury that I am a victim of identity theft. I discovered unauthorized accounts opened without my consent : XXXX  XXXX # XXXX ( {$1200.00} ), XXXX  # XXXX ( {$1400.00} ), and XXXX XXXX XXXX # XXXX ( {$460.00} ). I did not authorize, use, or benefit from these lines of credit. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are statutorily mandated to permanently block this fraudulent information. Continued reporting constitutes willful non-compliance under FCRA 623 and FDCPA false representation statutes. I demand immediate remedy and lawful damages. This information is true and correct.

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 2025-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: VA

Complaint narrative:
I am filing a complaint regarding a XXXX XXXX XXXX issued through XXXXBlackhawk Network . The card has XXXX authorization holds that have not been released even though the merchants never completed or settled the transactions. 

The card issuer refuses to release the funds and has not responded to my dispute submission. These funds have been held for weeks and the company is not complying with XXXX rules regarding unused authorizations. 

Transaction XXXX : Merchant : XXXXXX/XX/XXXX Date : XX/XX/year> Amount : {$50.00} Authorization only settlement amount is {$0.00} Merchant never captured or finalized the transaction Funds should have already been released back to the card Transaction XXXX : Merchant : XX/XX/XXXXDate : XX/XX/year> Amount : {$35.00} Authorization only settlement amount is {$0.00} Merchant denied the transaction immediately and did not settle the charge Funds should be released back to the card I submitted the dispute information to XXXX and they stated they would check in XX/XX/XXXX days, but they have not provided any update, have not released the funds, and are ignoring follow-up messages. They have held {$85.00} for weeks. 

These are not completed charges. They are unreleased authorizations, and the company is refusing to release the funds despite having the ability to do so manually. This has caused financial harm and makes the prepaid card unusable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: AR

Complaint narrative:
I am following up on my previous complaint regarding multiple unauthorized and inaccurate credit inquiries that continue to appear on my credit reports with Experian, Equifax, and TransUnion. Specifically, inquiries from XXXX XXXX on XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXXXXXX XXXX on XX/XX/XXXX, were never authorized or initiated by me. These inquiries are marked as hard inquiries, which under the Fair Credit Reporting Act ( FCRA ) require my explicit consent, yet I did not provide permission for any of them. I have no prior interaction with these companies and was never notified of these inquiries before they appeared on my credit reports. Despite disputing these entries with each of the three credit bureaus, the unauthorized inquiries remain unresolved, continuing to negatively impact my credit score and financial reputation.

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 2025-12-01 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: AR

Complaint narrative:
I am following up on my previous complaint regarding multiple unauthorized and inaccurate credit inquiries that continue to appear on my credit reports with Experian, Equifax, and TransUnion. Specifically, inquiries from XXXX XXXX on XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXXXXXX XXXX on XX/XX/XXXX, were never authorized or initiated by me. These inquiries are marked as hard inquiries, which under the Fair Credit Reporting Act ( FCRA ) require my explicit consent, yet I did not provide permission for any of them. I have no prior interaction with these companies and was never notified of these inquiries before they appeared on my credit reports. Despite disputing these entries with each of the three credit bureaus, the unauthorized inquiries remain unresolved, continuing to negatively impact my credit score and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Purchased an XXXX XXXX XXXX online, and paid through PayPal. I have the printed screenshots of the final total of {$36.00}. I checked the email for it, and the one from them said {$36.00}, but the one from PayPal said. {$46.00}. After the transaction, they added on {$10.00} sales tax which means XXXX percent tax. I complained to PayPal, and was told that they made an error. At first they were going to return the {$10.00}, but I wanted to cancel the whole transaction. This transaction took place on XXXX ' XXXX. According to the tracking, the item wasn't even picked up 'till the XXXX. Well finally on nov. XXXX, it got delivered. On Sun nite, I get an email from PayPal that the case was decided in favor of the seller for {$46.00}. I have the printed screenshots of the different prices, but you'd think that I would have gotten something back. They said that since the item got delivered, case is closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I would like to report suspected credit-card fraud involving a Citibank account holder named XXXX XXXX XXXX . She personally told me that she intentionally disputed charges she made in early XX/XX/year> so that she would not have to pay her credit card bill. 
She also mentioned that she had recently paid around {$7000.00} to XXXX XXXX XXXX for property taxes and did not want the bank to charge her for the credit-card transactions she had already made.

I am reporting this because she directly stated this intention to me, and I believe it may be fraudulent misuse of the dispute process. Please review the account as appropriate.

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 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: MD

Complaint narrative:
Annual membership fee was charged the amount of {$99.00} on XX/XX/year>. I called on XX/XX/year> to close the account to see if annual fee can be waived. The US Bank XXXX XXXX representative, who goes by XXXX, told me that annual fee can be waived WITHOUT CLOSING the account. He told me it can take up to 10 business days to see the annual fee waived. I have waited until XX/XX/year> to see if the annual fee was waived, but it did not. So I have called the US Bank again and the representative at that time told me the annual fee waiver request is still pending and I had to wait up to ten business days since the XXXX. I waited until XX/XX/year> due to XXXX holiday week. I checked my account online on XX/XX/year> and US Bank had still not waived my annual fee. I called the US bank and the representative tells me that the only time that the annual fee can be waived is when the account is CLOSED within one billing cycle of annual fee being charged. This conflicts with what the representative XXXX told me on XX/XX/year>. So we asked for a manager to deconflict this situation and the manager was negative and he told me the only thing he can do is to request waiver of annual fee again. What really bothered me is that the manager told me that the US Bank had sent a mail on XX/XX/XXXX that the request to waive the annual fee was denied. I had not received this mail from US Bank and this completely misaligns with what the representative has said on XX/XX/year>. US Bank have completely deceived me into making me pay an annual fee and also keeping a XXXX card account that I do not want to do have. All phone calls were recorded and there are evidences through US Bank. US Bank failed to look through those. This is completely unfair for me. I will never do any business with them in the future. I request CFPB to look at this matter further with evidence they have.

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 2025-12-01 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: MN

Complaint narrative:
There are multiple items on my credit report that are inaccurate, including negative accounts and inquiries. I attempted to dispute these items with the credit bureau but they were not properly corrected. I am requesting the CFPBs help to review and ensure all inaccurate information is removed or fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
There are multiple items on my credit report that are inaccurate, including negative accounts and inquiries. I attempted to dispute these items with the credit bureau but they were not properly corrected. I am requesting the CFPBs help to review and ensure all inaccurate information is removed or fixed.

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 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Issue with Debt Settlement and Communication I am writing to file a complaint regarding Portfolio Recovery and their refusal to settle my debt with them. I owe {$1100.00} on a so-called credit card debt, but after repeated attempts to negotiate a settlement, they have either ignored my offers or rejected reasonable proposals. 

I first contacted them on XX/XX/year>, and again on XX/XX/year> offering to pay {$300.00} to settle the debt upon a written email agreement but they responded saying that they could only accept {$700.00}. I followed up with multiple phone calls, all of which have been ignored or met with unhelpful responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: IL

Complaint narrative:
the accuracy of several items listed on my XXXX  credit report. Under the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate, complete, and fully verifiable. I request an investigation into the following accounts, inquiries, and personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kovo
State: IL

Complaint narrative:
the accuracy of several items listed on my Equifax credit report. Under the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate, complete, and fully verifiable. I request an investigation into the following accounts, inquiries, and personal information

Company response to consumer: Closed with explanation