vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: CA

Complaint narrative:
There is a hard inquiry on my Experian credit file from XXXX XXXX XXXX, dated XX/XX/year>, that I did not authorize. I never applied for credit with XXXX XXXX, nor did I provide them with consent to access my credit report. This inquiry was not initiated by me and has no permissible purpose under the Fair Credit Reporting Act ( FCRA ).

Experian is obligated under 15 U.S.C. 1681b ( a ) to ensure that only entities with a legally permissible purpose can access consumer credit information. Experians failure to verify the legitimacy of this inquiry or remove it upon dispute constitutes a violation of my consumer rights and has had a negative impact on my creditworthiness.

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 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I have been trying to resolve a debt with this company and have reached out multiple times by phone and email with no response. The only time they replied was after I filed a previous CFPB complaint. At that time, they agreed to a settlement to be paid in two installments. Since then, Ive been following up to confirm payment instructions and due dates, but Im once again being ignored. 

This lack of communication is making it impossible to fulfill the agreed terms. I am submitting this new complaint because it seems to be the only way to get any response or resolution from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: AZ

Complaint narrative:
I am filing this complaint to dispute an inaccurately reported bankruptcy currently being reflected on my Experian credit report. The entry in question is a XXXX XXXX Bankruptcy with reference number XXXX, filed on XX/XX/year>. I have not received any credible documentation proving that this filing is accurate, valid, or legally associated with me. Its presence on my report causes substantial harm and misrepresents my creditworthiness, and I am requesting that Experian fully reinvestigate and delete the record unless it can be fully verified. 

The Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ) and 1681i ( a ), requires Experian to maintain accurate records and reinvestigate any disputed item of information in a consumer 's file. The continued presence of this bankruptcywithout verification through primary court documents or an official certified recordindicates either a failure to verify the information or negligent reliance on unverified public record aggregators. 

Despite prior disputes, Experian has not provided any certified court documents confirming the legitimacy of this bankruptcy, nor have they provided the source from which it was obtained. I have reason to believe this record may be the result of a clerical error or was attached to my file through inaccurate third-party matching procedures.

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 2025-06-20 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX MI XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX  XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00} XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$10.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX Date : XX/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 2025-06-20 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These debt collectors violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by these debt collectors use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the XXXX XXXX XXXX  have been filed, dispute letters have been mailed to this debt collector ; supporting documentation will be furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: NC

Complaint narrative:
Around XX/XX/XXXX my cashapp account that ive had for many years was randomly closed for violating tos. I called cashapp and asked what the issue was and they couldnt give me an answer they just kept saying terms of service was violated. Ive never done no fraud on cash app and sent over {$100000.00} on cashapp. I would like to be able to resolve this issue especially since i have a lot of friends and family that use the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: Stellantis Financial Services US Corp.
State: FL

Complaint narrative:
Subject : Dispute and Request for Removal of Unauthorized Credit Inquiries Pursuant to FCRA 15 U.S.C. 1681b To Whom It May Concern, I am writing to formally dispute several unauthorized credit inquiries that appear on my credit report. I did not authorize or initiate any applications for credit with the companies listed below, and I am requesting that these inquiries be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.

The following inquiries are being disputed as unauthorized and fraudulent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under FCRA 1681b ( c ), a hard inquiry can only be made if I have provided written instructions or applied for credit. Since I did not provide authorization for these inquiries, they constitute a violation of federal law and are negatively impacting my credit profile without cause.

I am requesting the following : 1. Immediate deletion of the unauthorized inquiries from my credit report.

2. A written confirmation that these inquiries have been removed.

3. Disclosure of the source and any identifying information related to these inquiries.

If the inquiries are not removed within a reasonable time frame, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and, if necessary, pursue legal action under FCRA 1681n and 1681o for willful and negligent noncompliance.

Please consider this letter a formal dispute under the FCRA. I have attached a copy of my credit report highlighting the unauthorized inquiries, along with a copy of my government-issued ID and proof of address. 

I expect your response within 30 days, as required under the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: MD

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions. 

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: WV

Complaint narrative:
I totaled my car back in XXXX XXXX, the insurance sent a payout for the car and the gap coverage was supposed to take care of the rest owed. Credit Acceptance is saying I still owe XXXX on the car but insurance and gap coverage was supposed to take care of that. I spoke with an agent at Credit Acceptance after my accident and they confirmed it would be taken care of, now its showing I am behind on payments and will be affecting my credit. I have tried to contact them about the issue and each time I am transferred to another person and then disconnected. I think this is incorrect and I want the balance to be paid off like I was previously told it would be.

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 2025-06-20 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:
This communication serves as an official dispute of unauthorized accounts on my credit file. I had no involvement in creating or managing these accounts and suspect identity theft. As per 15 U.S. Code 1681g, I am requesting their removal within 15 days. Please review the enclosed documents that support my claim and take the appropriate action.

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 2025-06-20 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have an Amex gift card with a balance of {$1300.00} and am unable to use it to purchase anything from any online vendor. The card continually gets declined by merchants who accept Amex, despite Amex 's claim that this gift card can be used " anywhere Amex is accepted. '' When contacting Amex their response is to contact the merchant directly to determine how to use the card. That is asinine considering it is Amex 's card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2025-06-20 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: MD

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-06-20 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: GA

Complaint narrative:
am filing a complaint regarding the inaccurate reporting of a charged-off auto loan account listed under XXXX on my Experian credit report. 

The account was charged off and shows a written-off amount of {$2300.00}. However, Experian continues to report a past due balance of {$2200.00} as of XXXX XXXX, despite the last status update being listed as XXXX XXXX

This reporting is inconsistent with Metro2 guidelines and violates FCRA Section 623 ( a ) ( 2 ) which requires furnishers to report accurate and updated information. Once an account is charged off and written off, it should not continue to reflect a growing past due balance unless it is actively being collected by the original creditor, which is not indicated. 

This inaccurate reporting creates the false impression that the account is still open or actively past due, negatively impacting my creditworthiness and lending decisions. 

I am requesting that the CFPB investigate this matter and that Experian either : Remove the account entirely from my credit file, or Correct the reporting to reflect a {$0.00} balance with the correct charge-off status and accurate date of last activity. 

I have attached a screenshot from my Experian account for reference and evidence. 


Resolution : Full deletion of the inaccurate account from

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have asked several times to be provided proof and an investigation on these fraudulent inquiries were mine. i did not authorize them and I want them removed or show my the proof that I made these inquiries. No investigation has been done and I received no results of an investigation. I want all the inquiries removed that is attached to this compliant. Under 605B these must be removed within 4 days with no proof. I will seek legal action if these items are not removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
On XX/XX/XXXX, I paid off the card but they sent me my money back on the XXXX. ( {$790.00} ) On XX/XX/XXXX, I tried to pay off the Capital One Credit Card again but it sent back on the XXXX. ( {$820.00} ) They then closed my account for sending two failed payments when I had the money available in my chase account. 

For some off reason, their app would use my Capital One Bank account which had no funds in it instead of my XXXX XXXX  account. I know I selected the XXXX XXXX  account BOTH times and I have made payments monthly in the past using my XXXX XXXX  account and I've never made this mistake before. Especially twice in a row! 

I know this is an issue on their end and it caused them to close my account when all I wanted to do was pay it off. Now, I'm not really to happy with having to pay off a credit card that I can't use anymore and it was because of their apps problems. 

I called them to talk to them about the situation but they just kept saying I used the wrong bank account, gas lighting me when I know I didn't! 

Anyways, their blaming me for an app issue and I'm sure I didn't do anything wrong ; I just wanted to pay the balance. I included screenshots showing enough balance to make the payment and the two attempts I made at making the payment till they shut the account down. 

Thanks for your time.

Company response to consumer: Closed with explanation