vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: AZ

Complaint narrative:
I am filing this complaint to report serious and repeated violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) by Experian and XXXX. 

A fraudulent account associated with XXXX appeared on my Experian credit report. I never applied for, authorized, or opened this account. It was previously disputed, investigated, and deleted confirming it was illegitimate.

Despite this, Experian reinserted the fraudulent account into my credit profile without notifying me within the legally required 5 business days, in direct violation of FCRA 611 ( a ) ( 5 ) ( B ). They also failed to notify me of the reinvestigation or provide any documentation that would justify its reappearance.

To make matters worse, I have never consented to any E-Oscar reinvestigation, and I absolutely did not authorize any communication between Experian and XXXX regarding my identity or personal credit data. This reinsertion is not only reckless it is a willful act of negligence and misconduct, contributing to reputational damage, score harm, and financial injury. 

XXXX and XXXX are knowingly reporting fraudulent data, and Experian is facilitating the damage by re-publishing it to creditors and third parties after previously deleting it. This practice is unacceptable, deceptive, and grossly irresponsible.

I am demanding : Immediate, permanent deletion of the fraudulent XXXX account from my Experian report A full investigation into
Experian 's violation of FCRA reinsertion laws Documentation of who at Experian authorized this reappearance Disciplinary action or sanction against both parties for this unlawful and harmful behavior If no immediate action is taken, I will seek legal remedy, pursue damages for Experians negligent reinsertion, and open a case for willful FCRA violations under 15 U.S.C. 1681n, which allows for actual, statutory, and punitive damages, along with legal fees.

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 2025-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management
State: FL

Complaint narrative:
Summary : I am filing a complaint against XXXX XXXX XXXX for failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

Details : XXXX XXXX XXXX is reporting a {$900.00} collection account on my XXXX  credit report for an alleged medical debt. I sent a certified debt validation request to XXXX on XX/XX/year>, which was delivered and signed for on XX/XX/year>. They never responded or provided any validation. 

Despite this, XXXX continued to update my credit report ( e.g., status updated on XX/XX/year> ) and verified my dispute through XXXX, without providing any supporting documentation.

I was never notified in writing of this debt by XXXX prior to it appearing on my credit report, meaning my validation request should be considered timely.

This may constitute a violation of FDCPA 15 U.S. Code 1692g ( validation of debts ) and potentially FCRA 15 U.S. Code 1681s2 ( b ) ( duties of furnishers after notice of dispute ).

I am requesting appropriate enforcement action and assistance in resolving this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-08-05 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their 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 2025-08-04 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: FL

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report XXXX XXXX XXXX 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 2025-08-04 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 was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a collection account reported by the following company : Company Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Reported : {$1600.00} Date Reported : XX/XX/XXXX Account Number : XXXX This collection account has been inaccurately reported on my credit file. I do not owe any debt to this company and have never had a financial obligation with this creditor. 

Furthermore, the balance referenced in the report was fully resolved through an insurance claim with XXXX in XX/XX/XXXX, under Claim Number XXXX. Therefore, no outstanding balance remains, and this account should not have been placed for collection. 

I request that this entry be thoroughly investigated and promptly removed from my credit report. Please provide all documentation used to verify the validity of this debt, as required under the Fair Credit Reporting Act ( FCRA ).

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 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Account Systems of Omaha, LLC
State: NE

Complaint narrative:
My debt was for XXXX XXXX XXXX XXXX who sold my debt to National account services. I do not have agreements to pay with National account services but they are now attempting to garnish my wages for a debt from 11+ years ago. I have requested documentation in regards to my owed debt from National account services and they failed to provide anything. My account with with XXXX XXXX XXXX XXXX  should have had a XXXX balance due to furniture I attempted to purchase came to my home with visible bed bugs on it and it was send right back same day. Day of purchases was with XXXX XXXX XXXX XXXX, never with National account service.

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 2025-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Saturday XX/XX/XXXX around XXXX XXXX.My husband and I are currently in two separate states and were looking into buying a XXXX for our second baby. We found a XXXX on XXXX XXXX. Everything seemed normal through communication we knew we wanted it so we did not do any negotiation or haggling. Super smooth process for that part. We then asked what to use to pay so they could ship the car seat. After the payment was sent the person asked if they could instead request the money. Thats when I knew it was a scam. I then called cash app. I was unable to resolve the issue over the phone as managers only respond via email. Complaints are also only taken via email by the managers. There may be another form but I was not informed of it. Nor was it an easy process to do when it should be as simple as clicking a few buttons and typing your situation in the description just like this process. After informing cash app via email they returned very robotic responses which did not address the issue we explained at all. I informed in the email that we sent money to a scammer unknowingly. They responded with asking the person to send the money back etc. completely ignoring all details I provided in the email. I then responded reporting that their responses felt automatically generated and lacked empathy. I sent another email asking to escalate the situation so we can get our money back due to it still being pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NC

Complaint narrative:
I am submitting this letter to dispute a hard inquiry on my credit report which I do not recognize. I have not initiated any requests that would result in this access, and it has caused me great concern regarding the protection of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: MD

Complaint narrative:
Requested account numbers and information and because its closed out i wasnt able to get account numbers and more

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 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Account Number : XXXX XXXX XXXX XXXX I

am filing this complaint because LVNV Funding is reporting a debt on my credit report that I have disputed, and they have not responded to my written request for debt validation. I submitted a written dispute and debt validation request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, within the 30-day dispute window. As of today, they have not provided any documentation or verification of the debt. Despite failing to validate the debt, LVNV Funding continues to report this account to the credit bureaus. This violates : FDCPA 1692g ( b ) : Debt collectors must cease collection activity including credit reporting until the debt has been validated. FCRA 1681s-2 ( b ) : Furnishers must investigate and verify the accuracy of information reported to credit bureaus after a dispute. I do not recognize or owe this debt and have no legal or contractual relationship with LVNV Funding. Their failure to validate the debt or remove it from my credit report is unlawful. I am requesting the CFPB to : Investigate LVNV Funding for non-compliance with federal law, Require the company to delete this account from my credit report, And ensure all collection activity stops unless and until full validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Portfolio Recovery Associates , LLC ( PRA ) never provided me with the mandatory written notice of my right to dispute the alleged debt, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ). I did not receive, within five days of initial communication or at any later date, a notice explaining my right to dispute the debt and to request verification.

PRA proceeded with collection efforts, legal filings, and attempted enforcement actions without ever furnishing this required notice. This deprived me of a meaningful opportunity to dispute the debt or to request validation prior to litigation and enforcement actions, violating both my rights under federal law and basic due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: GA

Complaint narrative:
I am submitting this complaint against the three major credit bureausXXXX, Equifax, and XXXXfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and XXXX industry standards.

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court.

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and XXXX  XXXX Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) XXXX XXXX XXXX XXXX Balance : {$5600.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law.

Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX, Equifax, and XXXX  to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
b'Re:  Complaint Against BOA  Fraud Claim MismanagementXXXX XXXX XXXX XXXX XXXX XXXX  (Newly Issued)\n\nDear Sir/Madam:\n\nAfter noticing unauthorized transactions on my XXXX  credit card, I contacted your Fraud Department to report activity at XXXX XXXX XXXX XXXX and XXXX located in XXXX XXXX and XXXX XXXX XXXX. This is what I encountered when I called the Fraud Department:\n\nThe representative (XXXX XXXX) curtly asked if I or anyone had used the card at the establishments. After I responded, she repeated the question, implying someone had used the card. She said the system indicated the physical card was used. I confirmed the physical card was unused. Temporary credits were issued pending investigation. The representative only glanced at the details and missed the fact that a mobile wallet was used instead of a physical card. I found out this information when I called a second time because I knew the physical card was not used.\n\nThese are the details of the caseXXXX XXXX XXXX  I called to report the transactions.XXXX XXXX XXXX, I reported receiving a letter about temporary credits being reversed due to card usage. I appealed to reopen the case. I asked for a package from the merchant to be sent to find out the time of the transactions.XXXX XXXX XXXX I called and found out instead of a physical card a mobile wallet was used.  My credit card number was utilized to establish a mobile wallet.XXXXThe transactions that make up the total of XXXX are as follows:XXXX XXXX XXXX  (reported)\XXXX XXXX XXXX XXXX (reported)\XXXX XXXX XXXX XXXX (reported)XXXX XXXX XXXX XXXXXXXX (reported)\n\nCredits remain unrestored. Its not acceptable for me to pay interest on charges I didnt make. I dont or never have used a mobile wallet. \n\nThese charges should be reversed and credits issued, as my card was used without my authorization.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SD

Complaint narrative:
I have reviewed my credit reports from TransUnion, Experian, and Equifax, and found multiple instances of inaccurate personal information being reported. Specifically, the reports include variations of my name that are not legally correct, outdated addresses that no longer apply, and employer information that is completely inaccurate. 

On XX/XX/year>, I obtained updated credit reports and noticed that all three credit bureaus are reporting different and inconsistent data. I sent formal written disputes to each bureau providing supporting documents, including my Social Security card, driver 's license, and a current utility bill. Despite submitting these materials, my information remains incorrect or has not been fully updated. ( XXXX letters ) The incorrect personal information includes : - Misspelled or combined versions of my name that I have never used. 
- Old or inaccurate addresses that are no longer valid.

- Employers I have never worked for. 

This misinformation is negatively impacting my credit profile and causes confusion during account verifications and credit applications. It is a violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ) which requires maximum possible accuracy in the maintenance of my file. 

I am requesting the CFPB 's assistance in ensuring that all three credit reporting agencies correct or remove this inaccurate personal information from my consumer file. I have already attempted resolution directly with the bureaus, but the issue persists. 

I respectfully ask that the CFPB require the agencies to complete a reinvestigation, and confirm corrections in writing as required by law.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SD

Complaint narrative:
I have reviewed my credit reports from TransUnion, Experian, and Equifax, and found multiple instances of inaccurate personal information being reported. Specifically, the reports include variations of my name that are not legally correct, outdated addresses that no longer apply, and employer information that is completely inaccurate. 

On XX/XX/year>, I obtained updated credit reports and noticed that all three credit bureaus are reporting different and inconsistent data. I sent formal written disputes to each bureau providing supporting documents, including my Social Security card, driver 's license, and a current utility bill. Despite submitting these materials, my information remains incorrect or has not been fully updated. ( XXXX letters ) The incorrect personal information includes : - Misspelled or combined versions of my name that I have never used. 
- Old or inaccurate addresses that are no longer valid.

- Employers I have never worked for. 

This misinformation is negatively impacting my credit profile and causes confusion during account verifications and credit applications. It is a violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ) which requires maximum possible accuracy in the maintenance of my file. 

I am requesting the CFPB 's assistance in ensuring that all three credit reporting agencies correct or remove this inaccurate personal information from my consumer file. I have already attempted resolution directly with the bureaus, but the issue persists. 

I respectfully ask that the CFPB require the agencies to complete a reinvestigation, and confirm corrections in writing as required by law.

Company response to consumer: Closed with non-monetary relief