vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter and am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities, and these fraudulent items have hindered my ability to achieve important financial goals such as purchasing a home and meeting the needs of my family. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates is attempting to collect on an alleged charged-off account. I dispute this debt in its entirety. 

PRA has failed to provide : A valid chain of title proving it owns or has legal standing to collect this debt. 
A full accounting of the debt, including original creditor documentation. 
Any executed agreement bearing my signature that would make PRA a lawful party of interest.

Under the Fair Debt Collection Practices Act ( FDCPA ) and FCRA, PRA must validate the debt before continuing collection or reporting it. Their continued reporting of this account to the credit bureaus without providing validation constitutes a violation.

I am requesting : 1. Immediate deletion of this account from all credit bureaus for lack of proof of ownership. 
2. A full and itemized accounting of the alleged balance, including original agreements and assignment contracts.

3. Written confirmation of compliance from PRA and any involved credit reporting agencies.

If PRA can not produce chain-of-title documentation from the original creditor to PRA, they must cease all collection activity and remove this tradeline.

If PRA disputes this complaint, I demand they submit into the record : The original signed contract.

Every bill of sale or assignment showing unbroken ownership from the original creditor to PRA. 
A payment ledger matching the alleged balance. 

Failure to provide this will be taken as admission that PRA can not substantiate this debt and is willfully reporting unverifiable information in violation of federal law. 

Harm : PRAs false reporting has harmed my creditworthiness, increased my cost of borrowing, and created undue stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/year> Mortgage lender requested a report from experian. Unable to pull due to fraud alert. I Signed in to experian account there are no fraud alerts or freezes. Automated services says no fraud alert or freezes. If I cant speak to a live person how can I figure out whats wrong to fix the issue. I have called over 2 hours. Its very frustrating for. Company to safeguard my personal info like that and I cant speak to a real person

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 2025-08-01 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Arbor Professional Solutions, Inc.
State: MI

Complaint narrative:
ARBOR PROFESSIONAL SOL is falsely reporting on my credit. I have never had any accounts with them. Per my research ARBOR PROFESSIONAL SOL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The accounts being reported under my name were opened and reported without my knowledge, authorization, or consent. I have never managed or approved these accounts, and their presence on my credit report is entirely unacceptable. This false information misrepresents my financial history and is causing significant concern. 

I take the accuracy of my credit profile very seriously. I need immediate clarification as to how these accounts became associated with my name and who is responsible for reporting them.

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 2025-08-01 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am disputing a XXXX account number XXXXXXXX XXXX XXXX  that Experian continues to report as a derogatory Charge-Off. I previously filed CFPB Case # XXXX, but Experian failed to provide any signed contract, Form 1099-C, or transactional documentation to justify this account. 

I am demanding this account be permanently deleted from my credit report without reinsertion unless Experian can provide : The original signed agreement authorizing XXXX to report this account. 

A Form 1099-C issued to the IRS. 

Full transactional account history proving the accuracy of the reporting.

Failure to provide these documents is a violation of FCRA 1681i and 1681s-2 ( b ), as well as TILA 1601. I expect immediate removal of this account. Any future reinsertion without proper certification will result in legal escalation to the Wisconsin Attorney General and the FTC.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America charged off my account but continues to attempt collection while maintaining a derogatory tradeline. This is a direct violation of the FCRA ( 15 U.S.C. 1681s-2 ) because a charged-off account can not simultaneously remain in active collection status without proper legal basis or documentation.

This conduct is false, misleading, and abusive reporting that harms consumers while Bank of America benefits from a double recovery scheme : they write off the account for tax purposes while still damaging the consumers credit profile indefinitely.

I demand Bank of America produce full documentation proving : 1. The original signed agreement.

2. A full payment history.

3. Written legal authority permitting collection on a charged-off account.

4. Evidence of compliance with FCRA and FDCPA regarding accurate credit reporting of charged-off accounts. 

Failure to produce this documentation will constitute proof of willful noncompliance. 

This inaccurate and abusive reporting has caused : Severe and ongoing credit damage. 
Financial harm through loss of access to credit and increased costs of borrowing. 
Unlawful negative reporting despite the accounts charged-off status.

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 2025-08-01 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: AZ

Complaint narrative:
On Saturday, XX/XX/XXXX at around XXXX PST, I received a text message from my Cash App account that they were closing my accounts, both business and personal, due to a violation of their terms and conditions. The text message said that the decision was final at first. I logged in and got past the account closed screen to the help chat bot. It was explained to me that when a sponsored account- like one you open for your teenager- closes their account, all the accounts linked to it, including the primary sponsor, gets closed as well. I had no idea that my former step son was going to close his account, at his mother 's bidding. I was told that I could make an appeal- and I did. The CSR person on the phone took my info and said that I would be reinstated. 

It has been a week and no reinstatement has occurred- I use this app to pay bills so it is linked to their accounts- I am missing payments and my credit score is now plummeting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting the prompt removal of this erroneous late payment from my account. Given my history of timely payments, this entry is unfair and needs to be corrected immediately.

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 2025-08-01 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
These inquiries appear on my credit file without my authorization. I ask for their swift removal.

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 2025-08-02 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Im writing to formally dispute the inaccurate and inconsistent late payment reporting on the following XXXXXXXX XXXX student loan accounts : Account Number XXXX Account Number XXXX According to my credit report from Equifax and XXXX, both accounts show a XXXX late payment in XX/XX/year>, followed by XXXX lates in XXXX and XX/XX/year>. However, there are no XXXX or XXXX lates reported prior to these dates, which makes absolutely no sense. Credit reporting is supposed to follow a sequential pattern : XXXX, then XXXX, then XXXX, then XXXX  days late. Jumping directly to XXXX and XXXX days with no prior delinquencies is both inaccurate and misleading. 

To make matters worse, I pulled my credit reports from all three bureaus and noticed that the late payment history isnt even consistent across them. XXXX bureau reports a different sequence or date than the others, adding to the confusion. This inconsistency is incredibly frustrating and has left me unsure of which version lenders are seeing making it harder to qualify for credit and damaging my financial reputation for something that is clearly not being reported correctly. 

Under FCRA 623 ( a ) ( 1 ) ( A ), data furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Reporting a XXXX or XXXX delinquency without a corresponding XXXX or XXXX entry directly violates this provision. 

Additionally, per the Fair Credit Billing Act ( FCBA ) 15 U.S. Code 1666 and 1666a, I have the right to dispute billing errors and request that no further derogatory action be taken while the dispute is ongoing. I feel like my rights as a consumer are being ignored, and I am left dealing with the consequences of an error I did not create.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
Robinhood restricted my account shortly after I brought crypto currency, Im a XXXX XXXX military member and need this money for a plane ticket!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  : # XXXX. 
XXXX XXXX : # XXXX, XXXX. 
XXXX XXXX : # XXXX. 
XXXX : # XXXX has violated my rights. 
15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency canno furnish an account without my 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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I informed all of the credit reporting companies of the fraud that happened on my account.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX RE : Request to Opt Out, Remove Account Block, and Receive Full Consumer Disclosure Report To Whom It May Concern, My name is XXXX XXXX, and I am writing to formally request two actions be taken regarding my consumer file with your agency.

First, I would like to * * opt out of any data sharing or pre-screening offers * * associated with my name and personal information. As a consumer, I am asserting my right to limit the use of my data under applicable consumer protection laws.

Second, I am requesting a * * full consumer disclosure report * * under the Fair Credit Reporting Act. Unfortunately, I have been unable to access my account online, as your system is not sending verification codes to my registered contact information. This has left me unable to view, dispute, or correct the information XXXX  may be reporting. 

Additionally, I believe there may be a * * block or restriction on my file * * that is affecting my ability to open new bank accounts. I have been repeatedly denied access to financial services, and I suspect this may be tied to inaccurate or outdated data being reported about me.

As someone who has been affected by recent * * data breaches * *, I am concerned that fraudulent or incorrect information may exist in my file. I am requesting that you * * immediately investigate and remove any blocks * * or inaccurate entries that are preventing me from establishing basic banking services.

Please process this request urgently and send my full consumer disclosure report to the address listed above. If you require any additional documentation to verify my identity, please notify me promptly.

Thank you for your attention to this matter. I expect a timely response in accordance with federal guidelines.

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 2025-08-01 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX - XXXX XXXX - XXXX - Account not mine XXXX  XXXX - XXXX - Account not mine XXXX XXXX - XXXX - Account not mine XXXX XXXX  XXXX XXXX - XXXX - Account not mine XXXX XXXX XXXX  XXXX - Account not mine XXXX XXXX  XXXX XXXX - XXXX - Account not mine XXXX  XXXX  - XXXX - Account not mine XXXX XXXX - XXXX - Account not mine XXXX XXXX  - XXXX - Account not mine

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 2025-08-01 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a 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 non-monetary relief