vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing this letter in response to your claim that my dispute was not sent from me. I find this to be an unacceptable stall tactic. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I understand that you are legally required to investigate and correct or delete inaccurate or unverifiable information within a reasonable amount of time, typically XXXX  days. 

This letter serves as a formal follow-up to my original dispute, which I am resending here. The central issue remains the inaccurate reporting of the XXXX XXXX XXXX account ( XXXX ). Your continued reporting of this account as " Charged off as bad debt '' is incorrect and contradicts the verified information and actions of another credit reporting agency. As I've previously stated, XXXX  has already deleted this exact account from my credit report based on information from the original creditor, XXXX XXXX, who certified that the information is inaccurate. 

Since you have questioned the origin of my dispute, I have enclosed a copy of my government-issued ID for verification. I have also included a copy of the original dispute letter, the XXXX  report showing the deletion of the account, and my credit report with the disputed account clearly circled. These documents prove that the dispute is from me and that the information on the account is incorrect. 

Your failure to remove this account, despite clear evidence of its deletion by XXXX, is a violation of the FCRA. I demand the immediate and complete deletion of the XXXX XXXX XXXX account ( XXXX ) from my TransUnion credit report. I expect to receive written confirmation of this deletion and an updated credit report within XXXX business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: NJ

Complaint narrative:
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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: NJ

Complaint narrative:
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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX  is reporting XXXX inaccurate late payments on my Equifax, Transunion, and Experian credit reports. When I contacted the company in regard to my issue. I was told the late payments were too old to verify. I contacted the bureaus and they werent helpful and referred me back to the creditor. 

The dates are XX/XX/XXXX and XX/XX/XXXX. I have never been 30 days late on a payment to this company. According to the Fair Credit Reporting Act FCRA 15 U.S.C 1681 I have the right to accurate and fair reporting. The late payments being reported are unverifiable per FCRA requirements and are 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 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Failed to provide me with proper information to solidify ownership and the right to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
FCRA Code 607 ( b ) requires that the consumer reporting agencies report accurate and verified information to credit bureaus. I have contacted the alleged companies below via telephone in XX/XX/year> asking them to send copies of this alleged debt with accurate due dates and accurate balances before it was sold to debt XXXX without my permission. This is clearly a violation of my rights. I still have not received this information yet, that has been requested. The information showing on my credit report is inaccurate. I am again requesting verification and accuracy of the alleged charge offs and or collections listed below with full payment history due dates and I would specifically like a copy of the ORIGINAL PURCHASE AGREEMENT LETTER and proof that they still own this alleged debt and whatever debt collection agency has it now needs to provide documentation that they are legally able to collect this alleged debt. 
These are the listed accounts and account numbers : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. 
Furthermore, the statute of limitations for reporting a charge-off is XXXX years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
CFPB Complaint - XXXX XXXX Name : XXXX XXXX XXXX of Submission : XX/XX/year> Case / Reference XXXX XXXX XXXXXXXX Cashtag : XXXX Email : XXXX Phone : XXXX Issue : Lost Cash App Card, unauthorized transactions Description : On XX/XX/year>, my Cash App Card was lost, resulting in unauthorized transactions at XXXX. I did not authorize or make any of the following transactions : - {$2000.00} - unauthorized, not refunded - {$150.00} - successfully refunded- {$27.00} - unauthorized, not refunded Total unauthorized charges : {$2100.00} Amount still unrecovered : {$2000.00} I have reported these unauthorized charges to Cash App. My account has been temporarily frozen pending their investigation. I am requesting the XXXX XXXX XXXX XXXX ( CFPB ) to assist in recovering the remaining unauthorized amounts and ensuring a prompt resolution. 
Please contact me if further documentation or details are required. I am eager to resolve this matter quickly and securely. 
Signature : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BMO BANK NATIONAL ASSOCIATION
State: MO

Complaint narrative:
The options that I need for this complaint were not listed but I will file this anyway because it's important that BMO Harris Bank XXXX NOT be allowed to withhold sending notices to the account holder of any balances due after the account holder paid off the account. 

BMO Harris Bank filed a negative claim on my credit report XX/XX/XXXX. XXXX  claiming I was " XXXX  days past due '' on a {$2.00} payment. I was never notified that I owed them any money! 
I paid off the account in XXXX of XXXX and since then they have attached a small amount of interest and late fees but never bothered to send me a notice for a payment due. 
Until this happened I had an " Excellent payment '' history. No late payments! 
I contacted them by phone and they insisted on me filing a claim form to dispute this. I sent that over. I talked to another representative on a different day about my reasons for disputing this and I was disconnected or more likely they hung up on me. 

I don't know how they can get away with this. I would think that financial institutions should be held to a higher standard. 

It would seem to me that XXXX was not being transparent and even deceptive. It shouldn't matter if I was a current customer or a past customer, if I owe money to XXXX  they should have sent me a notice the same way they sent me all those notices when I had a balance and a payment due! 

Instead, they waited long enough without contacting me so they could file the negative remark on my credit report that I was " XXXX days past due '', and then XXXX  days later on XX/XX/year> they sent me an email letting me know my payment was late! 
They could have sent me a notice in XXXX when they added interest to the paid off account but didn't. 
They could have sent my a notice in XXXX with added late fees and interest, but they didn't. 
The only notice I received was on XX/XX/XXXX, AFTER they had already damaged my credit report. For no fault of mine. They never bothered to tell me that I owed them anything! 
I feel I have been treated unjustly and I want them to remove the negative claim they filed on my credit report before even giving me a chance to pay it back in XXXX. This should never have happened and they should not be allowed to get away with trying to destroy my " Good '' rating over their negligence or malicious intent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
They reported inaccurate, unverified, and unauthorized information on my consumer report, including false personal data, unverified inquiries, and notations I did not request. This constitutes a violation of my privacy and control over my personal information. Reporting information without proper verification or authorization rises to the level of identity theft and is a failure to ensure maximum possible accuracy as required by the Fair Credit Reporting Act. These errors have directly harmed me, including denial of housing and damage to my reputation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I just lost track of payment and the company want to settle for a amount I can't afford

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX - XXXX XXXX  - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I am disputing the validity of an alleged debt being reported and collected by Caine & Weiner in the amount of {$290.00}, which they claim originated with XXXX. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXX, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX, I am formally requesting that this account be properly validated. 
Under the FDCPA, a debt collector must provide proper validation of the debt, including but not limited to : -Proof that Caine & Weiner has the legal right to collect this debt. 

-A complete itemized accounting of the alleged amount, including fees, interest, or other charges. 

-Documentation that clearly shows I am legally responsible for this debt with XXXX. 

-A copy of the original contract, agreement, or policy allegedly creating the obligation. 

-Until such documentation is produced, this debt remains disputed and unverified. 

Further, under the FCRA ( 15 U.S.C. XXXXi ), any information furnished to consumer reporting agencies must be accurate, complete, and verifiable. If Caine & Weiner can not fully substantiate this account, they are obligated to have it deleted from all consumer credit reports within the legally mandated XXXXday period. 

If this debt can not be verified through proper documentation, I request immediate cessation of all collection activity, as continued reporting or collection of unverified information constitutes a direct violation of both the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing the presence of a fraudulent account on my credit report. I did not authorize, open, or manage this account, and its reporting is entirely false. This inaccurate information is causing damage to my financial credibility.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
I am formally requesting validation of the debt you claim I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 809. Please provide documentation that verifies this debt, including but not limited to : The name and address of the original creditor. 

The original account number. 

The amount of the alleged debt, including a breakdown of fees, interest, and other charges. 

Proof that you are legally authorized to collect on this debt in my state. 

Copies of any judgments, contracts, or agreements that prove I am legally obligated to pay. 

Be advised that until proper validation is provided, you must cease all collection activity and reporting of this debt to credit bureaus, as continued reporting without validation violates the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

This request is not an acknowledgment of liability for the alleged debt. Please also note that all further communications must be in writing. 

I expect your full compliance with federal law and look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: GA

Complaint narrative:
I recently received a notice from the Consumer Financial Protection Bureau dated XX/XX/year>, referencing complaints that were submitted under my name. I would like to formally state that I did not authorize or file any complaints beyond those I may have personally submitted. This raises a serious concern that my personal information may have been used fraudulently or without my consent to submit unauthorized complaints to your agency. The unauthorized use of my personal data, if confirmed, could indicate a potential breach of my identity or privacy, and I am seeking immediate clarity and protection from any misuse of my information. I am unsure how many complaints were filed, the content of those complaints, or the resolution status, and I need this information to assess any possible harm or misrepresentation in my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently received a notice from the Consumer Financial Protection Bureau dated XX/XX/year>, referencing complaints that were submitted under my name. I would like to formally state that I did not authorize or file any complaints beyond those I may have personally submitted. This raises a serious concern that my personal information may have been used fraudulently or without my consent to submit unauthorized complaints to your agency. The unauthorized use of my personal data, if confirmed, could indicate a potential breach of my identity or privacy, and I am seeking immediate clarity and protection from any misuse of my information. I am unsure how many complaints were filed, the content of those complaints, or the resolution status, and I need this information to assess any possible harm or misrepresentation in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation