vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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 am disputing the accuracy of the reporting on this account, which is currently listed as Charged off as bad debt / Closed account. This information is not an accurate reflection of the accounts history or present status. Under the Fair Credit Reporting Act ( FCRA ), all furnished information must be accurate, complete, and capable of being fully verified. I am requesting that this account be reinvestigated in accordance with FCRA 611. If the furnisher can not provide verified, accurate, and complete documentation supporting the charge-off notation, I am requesting that the account be deleted from all of my credit reports to ensure compliance with federal reporting standards.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Flexible Finance, Inc.
State: FL

Complaint narrative:
I used a third-party service called Flex to pay my rent. On Friday, XX/XX/XXXX, I deposited my rent funds into my Flex Pay account before XXXXXX/XX/XXXXexactly as the Flex app instructed. Flex withdrew the money from my bank at XXXXXX/XX/XXXX, and the funds appeared in my Flex Pay balance that morning. 

Despite following every instruction, Flex never sent the rent payment to my property. I began contacting Flex starting at XX/XX/XXXX on Friday to make sure the payment went through, and I have continued reaching out daily. I have received extremely delayed and inconsistent responses, often at midnight or XX/XX/XXXX, and I have not been able to speak with a representative during normal business hours. 

Because Flex has held my funds and did not make the payment, my property has now issued me a 3-day Notice to Pay or Quit, which is a legal eviction notice. This situation is entirely outside of my control, as I had the funds available and submitted everything on time. 

Flex has acknowledged that a refund is needed, but they have not actually processed the refund. They have also told me it could take 35 business days once it is processed, but as of today, the refund has still not been initiated. This means Flex continues to hold my rent money while I am at risk of eviction and late fees. 

I have repeatedly asked for documentation, proof of the failed payment, or confirmation of the refund being initiated. I have received none of these. I have been given no explanation of what happened to my payment, no timeline I can rely on, and no way to resolve this with my property until Flex releases my funds.

Flexs failure to process the payment, combined with holding my money and the lack of timely support, has placed me under severe financial strain and put my housing at immediate risk. 
I am requesting the CFPBs assistance in requiring Flex to : 1. Immediately process and release my refund, 2. Provide clear documentation of where my funds went, and 3. Address the financial harm caused by their failure to send my rent payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX charged my credit card {$22000.00} without my permission. I had a {$20000.00} limit on my card and would have never said that was okay. I immediately called them and had them cancel it. I then called XXXX credit card company and asked them if it was going to be an issue. They told me it was fine and that the charge was already showing cancelled. However, it closed on my card, showing I had {$28000.00} on my card with a {$20000.00} limit. Putting me {$8000.00} over my limit. My credit score went from an XXXX to a XXXX. I want to know what I can do to rectify this. I pay all my bills on time and have never had this issue. I never gave XXXX XXXX permission to make that charge.

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 2025-12-09 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:
Subject : Immediate Action Required - Dispute of Fraudulent Accounts I am writing to forcefully dispute the negative accounts appearing on my credit report, as these are clearly the result of identity theft. I have uncovered unauthorized transactions and accounts opened in my name without my consent. This fraudulent activity has severely damaged my credit and financial standing. 

I expect immediate action on this matter. Acknowledge receipt of this dispute without delay and provide a clear, firm timeline for resolution. You can contact me via the provided phone number or email address for any additional information, though I expect minimal delays.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Portfolio recovery sent me a letter of complaint and paperwork to sue me but nothing is dated. I tried to talk to them about a payment plan but they wouldn't drop the lawsuit. XXXX is stated that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian is reporting an inquiry from XXXX XXXX that I did not authorize. Experian blocked me from disputing it online. I am requesting verification of permissible purpose or immediate removal of the inquiry.

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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I have sent debt validation letters. I have asked for proof of debt. Nothing has been proven.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: Dave Operating, LLC
State: NV

Complaint narrative:
I took a payment advance for {$720.00} on XX/XX/year> with a due date on XX/XX/year> as stated by XXXX, then I discovered this morning they did a {$75.00} repayment, stating it was due today when i called they state don't worry repayment is to coincide with your pay periods to which i stated exactly my period is the XXXX of XXXX. so why are you withdrawing money today? No answer. Shady practices representatives who don't understand what you are saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Global Lending Services LLC
State: PA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX regarding Account XX/XX/XXXXXXXX. 
They are reporting a repossession with material identity inaccuracies. 

The lender is reporting the account under the name XXXX XXXX, which was not my legal name at the time of contract. My name at that time was XXXX XXXX, and they have failed to correct this even after being notified. 

They are attempting to collect a deficiency balance of over {$15000.00} using the wrong identity, which violates the FCRA and FDCPA. They have also refused to provide proper debt validation as required by law. 

This inaccurate reporting has caused significant and documented harm, including : Housing denials Transportation denials Damaged credit Inability to secure safe living for me and my XXXX children I requested full validation, including the original signed contract with the correct name, payment history, and proof of legal right to collect. Instead, they continued attempting to collect under an incorrect identity. 

I am requesting : Full investigation Removal of the repossession from all credit bureaus Correction of my legal name Cease collection of any disputed and unvalidated debt This has been ongoing for three years and is causing irreparable harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Urgent Request for Investigation and Correction of Inaccurate Credit Records To Whom It May Concern, I am writing to express my deep concern regarding the inaccurate and disputed records appearing on my credit report. On multiple occasions, I have reported these errors and requested a thorough investigation, yet I have not received any meaningful resolution or corrective action. These inaccuracies have caused significant harm to my credit profile, financial stability, and overall quality of life. The continued reporting of false information has resulted in unnecessary hardship and stress. Also the hard and soft inquiries take them off immediately also are all unauthorized. I am formally requesting that your office conduct a comprehensive review of the disputed accounts and take immediate corrective action to restore the accuracy and integrity of my credit file. Failure to resolve this matter promptly will leave me with no choice but to escalate the issue by filing formal complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action for violations under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. Your immediate attention to this matter is expected. Please confirm receipt of this complaint and notify me of the corrective actions taken to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: WI

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$36000.00} INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
I kindly dispute the accounts listed, as I did not open them and believe they may be fraudulent. Please review the enclosed documents and take the necessary corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax and Experian credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-12-09 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: VA

Complaint narrative:
THE REPORTING AGENCY HAS FAILED TO PROVIDE THE REQUIRED METHOD OF VERIFICATION AND HAS REFUSED TO DISCLOSE THE SPECIFIC SOURCES OR DOCUMENTATION USED TO VERIFY THE DISPUTED INFORMATION, IN DIRECT VIOLATION OF 15 U.S.C. 1681I ( A ) ( 6 ) ( B ) ( III ). THIS FAILURE DENIES ME MY STATUTORY RIGHT TO UNDERSTAND HOW AND FROM WHOM THE DATA WAS VERIFIED. INSTEAD OF PROVIDING ANY SUBSTANTIVE PROOF OR AUTHENTIC RECORDS, THE AGENCY MERELY RE-STATED THE SAME INFORMATION THAT WAS ALREADY IN DISPUTE AN ACTION THAT DOES NOT CONSTITUTE A VALID OR LAWFUL REINVESTIGATION. 

THIS BEHAVIOR SHOWS A CLEAR PATTERN OF PROCEDURAL MISCONDUCT AND NONCOMPLIANCE WITH FEDERAL INVESTIGATION STANDARDS. THE AGENCYS ACTIONS INDICATE EITHER A TOTAL ABSENCE OF PROOF OR AN INTENTIONAL REFUSAL TO DISCLOSE SUCH PROOF, BOTH OF WHICH VIOLATE THE FCRAS REQUIREMENTS FOR TRANSPARENCY, ACCOUNTABILITY, AND DUE PROCESS. 

FURTHERMORE, THE AGENCY IGNORED MY CONSUMER STATEMENT AND FAILED TO INCLUDE IT IN THE FILE OR REPORTS PROVIDED TO THIRD PARTIES, AS REQUIRED BY 15 U.S.C. 1681I ( B ). THIS DENIES ME THE RIGHT TO HAVE MY DISPUTE FAIRLY REPRESENTED AND FURTHER DEMONSTRATES DISREGARD FOR CONSUMER PROTECTION OBLIGATIONS. 

THE FAILURE TO PROVIDE THE METHOD OF VERIFICATION, TO DISCLOSE ORIGINAL SOURCE DATA, AND TO INCLUDE MY CONSUMER STATEMENT IS A SYSTEMIC BREACH OF DUTY THAT UNDERMINES THE CREDIBILITY AND INTEGRITY OF THE ENTIRE REPORTING PROCESS.

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 2025-12-09 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-12-09 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: NJ

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report, as I did not create them and was not informed of their presence. In compliance with USC 1681g, I expect their removal within 15 days. Please find the enclosed supporting documents.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I believe the late payments and delinquent status appearing on my credit are in error. The accounts were not late under the agreed terms, so those remarks should be deleted. Please update the accounts to Paid as Agreed and eliminate any delinquent status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: NV

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: NC

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-12-09 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 request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation