vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: GA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
In XXXX, my Dept of Education / Aidvantage student loan was reported with a XXXX delinquency. Since then, the loan has been placed into deferment, meaning no payments are required. 

Despite the deferment, Credit Bureaus continues to display the XXXX late payment history as if it were an active derogatory status. All Bureaus shows outdated derogatory data. 

Because of this inconsistent and misleading reporting, I was denied credit by XXXX on XX/XX/XXXX, with the adverse action notice citing too many delinquencies. This denial demonstrates the harm caused by inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TN

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-10 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: MI

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: MT

Complaint narrative:
Starting in the summer of XXXX  I have received numerous text messages from MRS BPO LLC about a debt to XXXX XXXX that is a very high amount. There is no documentation in the link listed as to the validity of the debt or what the debt entails. 

The text messages come about a twice a day, and have come on weekends and holidays.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: TX

Complaint narrative:
This complaint is not a mistake. My credit report contains inaccurate information that does not meet the required standard of maximum possible accuracy and is causing ongoing, serious harm.

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 2025-09-10 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:
Cash app XX/XX/year> amount XXXX dollars disputes was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: CA

Complaint narrative:
I am victim of identify theft. After reviewing my credit report i noticed there is fraudulent items on my credit report.

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 2025-09-10 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 am disputing inaccurate and fraudulent information being reported on my Equifax credit file. Despite my disputes, these accounts remain and are causing significant harm to my creditworthiness. 

The following accounts are inaccurate, unverifiable, or not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX account, opened XX/XX/XXXX, balance {$1800.00}, reported as collection/derogatory. 

Revolving Account ( Acct # XXXX ) Opened XX/XX/XXXX, closed, status charge-off ( status updated XX/XX/XXXX ). 

Revolving Account ( Unknown Creditor ) Opened XX/XX/XXXX, closed, status charge-off ( status updated XX/XX/XXXX ). 

These items are disputed as fraudulent, inaccurate, and unverifiable. Pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act, I have the right to block information resulting from identity theft and misreporting. 

I have filed a report with the FTC XXXX XXXX and enclosed a copy of my FTC Identity Theft Report, along with my government identification and proof of address. 

Requested Resolution : Immediate deletion or blocking of the above-listed accounts from my credit file. 

Updated credit report showing the corrected information. 

Written confirmation of the investigation results. 

If Equifax continues reporting these unverifiable and fraudulent accounts, I am requesting CFPB enforcement action to ensure compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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 requesting the urgent correction of the inaccurately reported late payment that has been added to my credit file. My records clearly show that payments have been made as agreed, and this negative mark is an error that damages my reputation as a responsible borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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:
Re : Credit Report XXXX XXXX XXXX XXXX XXXX XXXX Account Creditor : XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Dear TransUnion, I am writing to dispute the reporting of the above-referenced account on my TransUnion credit file in accordance with the Fair Credit Reporting Act ( FCRA ), Section 611.

Currently, your bureau is reporting this account as : Status : Derogatory Comments : Repossession; redeemed This reporting is inaccurate and misleading. According to XXXX, the same account is reported only as Paid, and XXXX  reports it as Paid with a redeemed repossession comment. These inconsistencies raise serious concerns about the accuracy and completeness of the information in your file.

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 2025-09-10 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 writing to dispute the reporting of a charged-off account that has been fraudulently placed under my name. I have never opened, authorized, or maintained any account with this creditor. This account was established without my knowledge or consent, and it is the direct result of identity theft.

Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information may be reported on my credit file. Since I did not authorize or benefit from this account, I am formally requesting that this fraudulent charged-off account be deleted from my credit report immediately. 

Please conduct a full investigation and provide documented proof of my responsibility for this account. If you are unable to provide verifiable evidence that I legally opened and used this account, you are required by law to remove it from my credit file.

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 2025-09-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I received a {$250.00} American Express gift card that is active and shows a balance remaining. However, Ive been unable to successfully use it for purchasesboth in-person and online transactions are consistently declined. Ive attempted to use the card at multiple retailers and websites that accept Amex, but nearly every transaction fails. 

I contacted American Express customer service multiple times, but they have not provided a solution. The card is not expired, and there are no restrictions listed that would explain the issue. Ive followed all instructions for activation and usage, yet the card remains essentially unusable. 

This has caused significant inconvenience and frustration. I believe this constitutes unfair business practices, and I am requesting full compensation for the {$250.00} value of the card. I also urge the CFPB to investigate systemic issues with Amex gift cards, as other consumers appear to be experiencing similar problems.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Balance {$4500.00} Date Updated XX/XX/XXXX High Balance {$4500.00} Original Creditor XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
The collector has not supplied validation documents as required under FDCPA 809. 
The bureaus continue to list conflicting dates and balances across reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: KY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXXXXXX XXXX XXXX Account Number : [ 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 2025-09-10 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: MS

Complaint narrative:
XXXX XXXX, XXXX Subject : Dispute of Inaccurate Credit Reporting XXXX Account ( Experian ) To Whom It May Concern, I am submitting this formal complaint regarding inaccurate and misleading information reported by Experian on my credit file concerning the following account : Creditor Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Charge Card Responsibility : Individual Reported Status : Petition for XXXX  XXXX XXXX  ( Updated XX/XX/XXXX ) unverifiable Original Balance : {$920.00} Highest Balance : {$1200.00} Dispute Summary : Incorrect Status Reporting : The account is currently listed as a Charge Off from XX/XX/XXXX through XX/XX/XXXX, despite the fact that XXXX has been paid in full and paid as agreed. This misrepresentation is damaging to my credit profile and violates the Fair Credit Reporting Act ( FCRA ), which mandates accurate and complete reporting. 

Missing Financial Details : The account lacks updated balance, recent payment, and monthly payment information, which further contributes to the misleading nature of the report. 

Potential Data Breach Concerns : Given recent concerns surrounding XXXX, I suspect that a data breach or identity compromise may have contributed to this erroneous reporting. I request that Experian verify the integrity of the data and confirm that my personal information has not been misused. 

Requested Action : Immediate reinvestigation of the XXXX account by Experian. 

Removal of the Charge Off and Bankruptcy status from the account. 

Correction of the account to reflect its true status : Paid in Full and Paid as Agreed. 

Written confirmation of the investigation results and corrective actions taken. 

I am requesting that the CFPB intervene to ensure Experian complies with federal regulations and corrects this harmful misinformation. Thank you for your attention to this matter.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 2025-09-10 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: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing in response to your [ letter/phone call ] dated [ insert date ], regarding the alleged debt you claim I owe. Please be advised that I dispute this debt in its entirety and request validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Specifically, I request that you provide the following : 1. The name and address of the original creditor.

2. The amount of the alleged debt, including an itemized accounting of any interest, fees, or other charges.

3. A copy of the original contract, agreement, or other documents bearing my signature that obligates me to this debt.

4. Proof that you are licensed to collect debts in my state, including your license number and registered agent.

5. Documentation that shows you have the legal right to collect this debt ( proof of assignment, chain of custody, etc. ).

Until you provide the requested documentation, and the debt is properly validated, you must cease all collection activity and reporting to credit bureaus regarding this alleged debt.

Please also note that any attempt to collect without proper validation, or continued reporting of unverifiable information to credit reporting agencies, may constitute a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ).

This letter is being sent to you via certified mail with return receipt requested, to establish proof of my request. Please respond within 30 days of receipt.

Company response to consumer: Closed with explanation