vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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: NJ

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/year> I deposited a check through Citis mobile banking app. Shortly afterward, I discovered that I had been locked out of my account without any prior notification. When I contacted Citi customer service, I was informed that my account had been closed, but no explanation was provided. 

The following morning, after calling again, I was told that the closure was due to the check I deposited being flagged as fraudulent. I then received an email stating that my account would be closed within 60 days and that I had violated the terms of my account. I explained that the check was legitimate and issued by my employer, but I was treated dismissively and made to feel as though I had done something wrong. The situation was extremely upsetting and caused significant stress, to the point where I had difficulty sleeping. 

I was advised that I would need to wait 30 to 60 days before I could receive any remaining funds by mail after the account closed. Because this did not make sense, I called Citi again to reiterate that the check was valid. Later that day, I received multiple emails indicating that a new debit card was being shipped to me and that my deposited check had been processed, suggesting that Citi had acknowledged an error. 

Additionally, my employers direct depositwhich had always gone through without issuewas returned because my account was closed and under investigation. This entire experience has been distressing and inconvenient. A simple verification with the check issuer could have resolved the matter immediately. I still can not access my online account until the new debit card arrives, and I have not received any apology or explanation for what occurred.

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 2025-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am not a credit repair company I am disputing for myself!! 

I am filing a follow-up complaint because the furnisher did not properly investigate my dispute and provided a response that was incomplete, non-responsive, and legally insufficient. 

Their reply only stated that they updated my credit file to show an active dispute. This is NOT a lawful investigation and does NOT satisfy the requirements of the Fair Credit Reporting Act. 

This violates : FCRA 611 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation FCRA 611 ( a ) ( 2 ) Failure to review all relevant information FCRA 623 ( a ) ( 1 ) ( A ) Reporting information that is inaccurate or unverifiable FCRA 623 ( b ) ( 1 ) ( A ) - ( E ) Failure to investigate and report results FCRA 611 ( a ) ( 5 ) ( A ) Unverifiable information must be deleted ACCOUNTS IN VIOLATION XXXX  # XXXX XXXX  XXXX # XXXX Details of Violations : -Payment history : No history is available. 
-If they claim the account is past due {$1200.00}, they MUST show how that number was calculated. 
-No Date of First Delinquency shown anywhere.This is ILLEGAL for a charge-off. 
Furnishers must supply XXXX within 90 days of reporting a charge-off. 
FCRA 623 ( a ) ( 5 ) Metro 2 Field XXXX  Required -Account opened in XXXX, charged off years ago but theyre reporting activity in XXXX? 
This means they are re-aging the debt. 
Re-aging is 100 % illegal. 
Violates : FCRA 623 ( a ) ( 2 ) FDCPA 807 ( 2 ) ( A ) Metro 2 prohibits re-aging accounts -Amount Past Due shows {$1200.00} while also showing Charge-Off. 
A charge-off is a FINAL status.

A charged-off account can not have an active past-due balance.

Violates : Metro 2 FCRA 607 ( b ) 623 ( a ) ( 1 ) ( A ) This is unverifiable reporting FCRA 611 ( a ) ( 1 ) ( A ) + Metro 2 rules.

-No Payment History XXXX months reviewed. 
No grid. 
No proof. 
This makes the entire account unverifiable under FCRA 611.

-The account says Last Activity : XX/XX/XXXX. 
That date is in the future and impossible. 
This is one of the STRONGEST violations you can use.It proves : re-aging inaccurate data no real investigation illegal reporting Violates : FCRA 623 ( a ) ( 2 ) Metro 2 Actual date required FDCPA misrepresentation rules -Amount Past Due : {$560.00} Status : Charge-Off Same violation as above you can not have both. 
-Missing DOFD ( Date of First Delinquency ) Required for : charge-offs collections delinquent accounts They didnt provide it. 
Violates : FCRA 623 ( a ) ( 5 )

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 2025-11-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
I attempted to cancel my XXXX auto policy twice, through their official chat system. Both agents refused to process my cancellation request even though I clearly stated that I wanted to cancel because I could not afford the policy. 

On XX/XX/XXXX XXXX, the agent told me I was required to call in to cancel and refused to process my request. Also on XX/XX/XXXX XXXX another agent also refused to cancel and became rude and hostile. I have screenshots showing both attempts, including the date and time stamps. 

Because XXXX blocked my cancellation request twice, they kept the policy active and billed additional premiums that should not have existed. XXXX has now sent this illegitimate balance to a debt collector, which is causing me harm. The amount charged was {$830.00}. 

This debt is not valid, because if my cancellation had been honored when I first requested it, none of these charges would have been generated. This is a wrongful continuation of coverage caused entirely by XXXX refusal to cancel when instructed. 

I am requesting that the CFPB require XXXX to : 1. Review the full chat transcripts from both dates 2. Acknowledge my cancellation request on the dates shown in my screenshots 3. Remove all charges billed after my first cancellation request 4. Recall the account from the debt collector 5. Provide written confirmation that the balance is XXXX and the account will not be reported to credit bureaus I am attaching screenshots showing both cancellation attempts and the agents refusal to process them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: TX

Complaint narrative:
I am reaching out to dispute a late payment entry that does not align with my consistent payment history. This inaccuracy is causing considerable XXXX  and disrupting my peace of mind. I respectfully request an immediate correction to maintain the accuracy of my account records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-23 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: NC

Complaint narrative:
I, XXXX XXXX, declare under penalty of perjury that the statements contained herein are true and correct to the best of my knowledge and belief. This statement is executed to unequivocally exercise my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the applicable provisions of North Carolina law, including the protections afforded under North Carolina Identity theft statutes.

The fraudulent account I have found have been detrimental to my FICO credit scores. I have attached documentation from XXXX, XXXX and Equifax, INC confirming that my personally identifiable information was exposed in the Equifax, INC Data Breach ( Case No. XXXX XXXX XXXX XXXX 

The following items are erroneous and in dispute : a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The account was opened without my authorization and directly violate my rights as a consumer. They are not permitted to remain on my credit report and must be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/year>, I received a phone call that appeared to be from XXXX XXXX XXXX XXXX ( XXXX ). The number was spoofed. 
The callers identified themselves as XXXX and XXXX XXXX. They claimed there was fraudulent activity on my XXXX account and that I needed to follow their instructions to secure it. 
They directed me to move money from my XXXX account into Cash App, and then send it to two debit cards they falsely claimed were secured XXXX accounts. 
Following their instructions, I sent {$570.00} to a card ending in XXXX and {$2600.00} to a card ending in XXXX, believing I was communicating with legitimate XXXX  representatives. 
XXXX later confirmed the call was fraudulent. 
These transfers were coerced and made under deception, impersonation, and caller-ID spoofing, not intentional payments. 
I immediately cancelled my debit card, changed passwords, contacted XXXX  fraud department, and filed a police report. 
Police Report Number : XXXX I am requesting assistance because these transactions were the result of fraud and manipulation, and I need Cash App to fully investigate and reverse these unauthorized/coerced transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: SC

Complaint narrative:
I disputed two accounts on my Experian credit report ( XXXX XXXX XXXX  XXXX and XXXX XXXX ). Experian responded that the accounts were verified and will remain, but they did not provide any proof, any documentation, or a Method of Verification ( MOV ) as required under the Fair Credit Reporting Act. 

Experian failed to provide : The exact method of verification under FCRA 611 ( a ) ( 7 ) The description of how the items were verified under 611 ( a ) ( 6 ) ( B ) ( iii ) Any business records or documentation proving the accounts belong to me under 609 ( e ) A reasonable reinvestigation under 611 ( a ) ( 1 ) Additionally, Experian appears to have reinserted information or updated it as verified without sending me the required 5-day notice, which violates FCRA 611 ( a ) ( 5 ) ( B ). 

I requested the full MOV and supporting documents, and Experian did not provide them. If the accounts can not be fully verified with original documentation and certification from the furnisher, they must be deleted under FCRA 611 ( a ) ( 5 ).

I am requesting the CFPB to compel Experian to : 1. Provide full verification documentation 2. Provide the complete MOV 3. Provide certification from the furnisher if they reinserted or updated the accounts 4. Delete the accounts if they can not prove accuracy with proper documentation I have attached all letters, including my MOV demand, reinsertion violation letter, bureau responses, and my identification.

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 2025-11-23 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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: FL

Complaint narrative:
I recently review a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove this account from my report and that is hurting my ability to obtain credit. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: NJ

Complaint narrative:
I am disputing a credit card account that appears on my Equifax credit report but does not belong to me. I filed multiple disputes directly with Equifax, but the results repeatedly came back as verified as my account, even though the furnisher has already confirmed in writing that the account is not mine. 

I contacted the furnisher XXXX XXXXi ), and they provided documentation verifying that this account does not belong to me and should not be reported under my name. They also indicated that they submitted the necessary information to Equifax. Despite this, Equifax continues to report the account as mine without properly correcting the information. 

I am requesting that Equifax remove this inaccurate account from my credit report and update my file accordingly. This is an error, not my account, and it is negatively affecting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Company youre complaining about : XXXX  Product/Service : Checking or savings account Electronic fund transfer issue Issue : Unauthorized electronic fund transfer Date the issue happened : XX/XX/XXXX Amount youre seeking : {$250.00} On XX/XX/XXXX, I received a legitimate {$250.00} XXXX  payment from another user for an item I sold and delivered to them on that date. 

On XX/XX/XXXX, XXXX  removed {$250.00} from my account with the description indicating a reversal. I never authorized, requested, or initiated this reversal. 
XXXX  claims I must have given permission, which is factually false. The reversal was initiated by the payer after the buyer committed first-party ACH fraud ( claiming the original payment was unauthorized, even though they received the item ). 
I have already : Submitted proof of delivery and sale to XXXX on XX/XX/XXXX Provided transaction IDs, tracking confirmation, and screenshots Explicitly demanded provisional credit under Regulation E ( 1005.11 ) XXXX  has failed to : Issue provisional credit within 10 business days ( required by 12 CFR 1005.11 ( c ) ) Provide any written explanation or acknowledgment beyond boilerplate responses Conduct a reasonable investigation despite clear evidence of unauthorized transfer This is a clear violation of the Electronic Fund Transfer Act ( Regulation E ). I am the victim of buyer fraud, yet XXXX  has penalized me by debiting my account without my consent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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: TX

Complaint narrative:
I have no connection to the mentioned creditors and did not initiate this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: ID

Complaint narrative:
I haven't received a tax return since 2008 they have been taking them with my consent or knowledge and I have been under deferment and got forgiveness on all my loans but they haven't acknowledged it

Company response to consumer: Untimely response
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Identity Theft & Duplicate Reporting Dispute Letter - Credence Resource Management To : Credence Resource Management 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 Subject : Fraudulent and Duplicate Collection Account Dispute - Identity Theft Claim To Whom It May Concern, I am writing to formally dispute the collection account that your company is reporting under my name. The account information listed below is fraudulent and the result of identity theft : Credence Resource Management - Account Number : XXXX - Original Creditor : XXXXXXXX XXXX XXXX XXXX  This account does not belong to me. I did not authorize or open any accounts with XXXX XXXX XXXX or XXXX XXXX XXXX XXXX. This fraudulent debt has been wrongfully attributed to my personal credit file. 
Furthermore, this same alleged debt is also being reported by another collection agency, XXXX XXXXXXXX XXXX  XXXX, under Account Number XXXX. This constitutes duplicate reporting and violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 
I have filed a Federal Trade Commission ( FTC ) Identity Theft Report regarding this matter. A copy of this report is enclosed for your reference and verification. 
Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), you are required to : XXXX. Cease all collection activities related to this fraudulent account. 
XXXX. Delete this account from all credit reporting agencies to which you have reported it. 
XXXX. Provide written confirmation that the account has been deleted and no further collection attempts will be made. 
If this matter is not resolved within four ( 4 ) business days of receipt of this letter, it will be escalated to the Office of the Attorney General as the law requires. 
Enclosed are copies of the following documents for your review : - Government-issued photo ID - Proof of current address - FTC Identity Theft Report confirming the fraud Please handle this matter promptly and confirm in writing that this fraudulent and duplicate account has been removed and closed. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief