vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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 am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-22 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number {$8500.00}, and a collections account opened at XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. 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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America placed a hold on a check I deposited on XX/XX/XXXX, stating funds wont be available until XX/XX/XXXX. I did not receive a written notice explaining the extended delay, which may violate the Expedited Funds Availability Act ( EFAA ) and Regulation CC. 
Ive been a customer for over 9 years. While Ive had a few overdrafts in the past, they were resolved immediately and I have no history of fraud. The funds are verifiable and linked to a life insurance account. I urgently need access to these funds to pay a major utility bill before the XXXX. XXXXm requesting a fair resolution and immediate review of this hold. Im willing to provide documentation to verify the source of the deposit.

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 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am writing to dispute the debts listed on my credit report because I believe they're incorrect. I'd like you to investigate these accounts and provide documentation to support their validity. if they're errors, please help me correct my credit report and remove any negative marks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I have noticed collection accounts on my credit report that I believe include inaccurate details. Under my rights outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that reflects only accurate information. I am formally requesting that these items be investigated, and if they can not be confirmed as correct, they must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been challenging these false and fraudulent accounts, thus I am asking that this account from XXXX be deleted. In my previous disagreement, I also included an FTC attachment. This is my last attempt to dispute this account, and I will then make a lawsuit against your company in civil court in my home state of Georgia. I'm requesting that this account be deleted and that an investigation be conducted.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I'm writing because there's an account on my credit report that is completely inaccurate, and I need this issue addressed and corrected immediately. The information being reported is flat-out wrong, and its already having a serious impact on my credit profile and my life. 

Let me be absolutely clear : I have no connection to this account. I never opened it, never authorized it, and have never had any dealings with the company reporting it. This is either the result of a reporting error, identity theft, or a case of mixed files but whatever the cause, this is not my debt and it needs to be removed. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain and report XXXX XXXX accurate and verifiable information. Whats currently being reported under my name does not meet that standard. In fact, its a direct violation of my rights under the FCRA, specifically Section 607 ( b ), which requires you to follow reasonable procedures to ensure 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 non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I reported to Cashapp that over a period beginning XX/XX/year>- XX/XX/year> that approximately {$7100.00} worth of XXXX purchased through there platform was transferred without my knowledge, authorization, or consent to an unknown wallet address with which I have absolutely no association. There investigations conclusion that i somehow authorized these transfers is categorically false and demonstrates either gross negligence or willful misconduct in there handling of my assets XXXX demanded the following evidence ( see requested information ) to be provided to me within XXXX business days. They chose to not comply with my request and continue to deny my requests and deposits my informing them this is not a negotiation and either provide me concerted evidence unauthorized these charges, which we both know that evidence doesnt exist, and immediately restore my funds with appropriate compensation. They continue to deny my claims and XXXX accountability for there actions .They are guilty of stealing my funds or allowing them to be stolen without explicit documented authorization by myself including multiple levels of verification for transactions of this magnitude especially once moved out of my wallet to another it becomes untraceable. Cash apps failure to protect my assets and there baseless denials of my claims constitutes : BREACH OF FIDUCIARY DUTY VIOLATION OF FEDERAL BANKING REGULATIONS VIOLATIONS OF THE ELECTRONIC FUND TRANSFER ACT NEGLIGENT SECURITY PRACTICES CONVERSION OF CUSTOMER ASSETS Multiple claim numbers including XXXX and XXXX and multiple others. 

They cant run from there responsibility and they need to own up to there poor practices in failing to protect my assets under there supervision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year>, XXXX husband filed for Bankruptcy XXXX XXXX in XXXX XXXX. We have a joint mortgage loan with XXXXXXXX XXXX XXXXXXXX. The account has been reported in all XXXX Credit Bureaus as " Closed '' & XXXX days past due effective XX/XX/year>. I continue to make all schedule payments on the loan in a timely fashion & did not file for Bankruptcy. The credit reports state this kind of reporting will continue till the year of XXXX, severely affecting me, regardless of the information been inaccurate.

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 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I am writing to dispute the debts listed on my credit report because I believe they're incorrect. I'd like you to investigate these accounts and provide documentation to support their validity. if they're errors, please help me correct my credit report and remove any negative marks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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 am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: IL

Complaint narrative:
According to 15 USC 1681, I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I have hard inquiries from a XXXX XXXX XXXX on my credit bureau reports, and it's coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested, even with my other complaint ; they never sent verification of allowance to run my credit, the XXXX XXXX bearing my signature & explanation of how this happened. 

THE CFPB IS LYING IN ALL COMPLAINTS. I REQUESTED INFORMATION FROM THE COMPANY. THE CFPB MARKED IT AS I DID NOT WHEN I SELECTED I DID. I asked for the XXXX XXXX bearing my signature & explanation of the amount and how it was calculated.

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 2025-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive found collection accounts on my credit report that I believe may include inaccurate details. Under my rights granted by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is fully accurate. I am requesting that these accounts be investigated, and if they can not be conclusively verified, they should be deleted from my 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 non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am disputing the reporting of this account on my credit report. This account is listed as " Open '' and has no account type specified. The comments on the account are vague or inconsistent ( e.g., " place for collections, '' " customer disputed '' ) and do not provide clear information. 

I note that other accounts on my credit report appear to have the same reporting issues, but this complaint addresses this specific account. 

I request that the company and credit bureau investigate this account and correct the reporting to accurately reflect its status and type. 

I have attached a screenshot of this account to illustrate the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: MD

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report, which has not been corrected despite my previous attempts to resolve these issues. The continued inaccuracy of my credit report is negatively impacting my credit score and overall financial health. 
I am aware that TransUnion has been cited for illegal practices in the handling of credit reporting and consumer disputes, including failure to properly investigate disputes and reporting inaccurate or unverifiable information. I am concerned that my own credit report reflects these same illegal practices, as my disputes have not been resolved in compliance with the Fair Credit Reporting Act ( FCRA ). 
I have submitted previous disputes to address these errors, but they have not been corrected. Under the FCRA, you are required to conduct a reasonable investigation of all disputes and correct any inaccurate information. The continued presence of these errors on my credit report indicates a failure to comply with the law and has caused significant harm to my creditworthiness. 
I respectfully request that you : Immediately investigate these disputed items. As per the FCRA, you are obligated to conduct a full investigation and resolve any inaccuracies within 30 days. 
Provide a resolution or update. Please inform me of your findings and the actions taken regarding the disputed items. 
Remove any unverifiable or inaccurate information. If you are unable to verify the disputed information, I request that you promptly remove it from my credit report. 
Additionally, I request that you send me a written confirmation once these issues have been corrected, along with an updated copy of my credit report reflecting the changes. 
I trust that you will address this matter in a timely and lawful manner. Thank you for your attention to this issue. I look forward to your prompt response.

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 2025-10-22 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-22 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: LA

Complaint narrative:
On XXXX XXXX XXXX I filed a dispute regarding the incorrect reporting of my student loan status. I have been recently rendered 100 % XXXX by the XXXX XXXX and, therefore, am entitled to a discharge of all of my student loans. I was approved for the discharge and submitted the information to Equifax along with documents verifying that all of my loans were forgiven. On XXXX XXXX XXXX, Equifax completed the dispute but marked my loans deferred, which is clearly not what is stated in the document I uploaded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc

Complaint narrative:
My PayPal account was suspended for no reason, even though I wasn't even using it. My PayPal account is a business account and I sent all the documents to PayPal, the account was created and validated and then suspended for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: MS

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX CARDS XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX FACTUAL DATA - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  CRDS- XX/XX/XXXX XXXX - XX/XX/XXXX 2025

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 2025-10-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sunnova Energy Corporation
State: NJ

Complaint narrative:
In 2021, we signed a solar installation agreement with Sunnova Energy Corporation ( through XXXX  XXXX  ) for our home in XXXX XXXXXXXX XXXX. The company represented a {$15000.00} federal tax credit as a rebate or monetary credit toward the loan, which caused us to believe monthly payments would stay around {$240.00}. Instead, payments increased to nearly {$500.00} when the credit turned out to be only a non-monetary tax deduction. We contacted Sunnova and XXXX  XXXX  multiple times requesting clarification, written payoff information, or removal of the panels. Neither company has provided assistance or removed the system, which has been inactive for over a year. We are seeking help to terminate the financing and have the panels removed.

Company response to consumer: Untimely response