vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the reporting of a repossession account that is appearing on my credit report This matter was previously addressed and resolved through a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), which has since been marked as closed.

Despite the resolution and closure of the CFPB case, this account continues to be reported on my credit profile, which is inaccurate and misleading. I have exhausted all relevant dispute codes and procedures to have this matter permanently resolved, yet the account remains, adversely affecting my creditworthiness.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe is incomplete or inaccurate. I am requesting an immediate reinvestigation into this matter and demand that the account in question be permanently removed from all credit reporting agencies ( XXXX XXXX and XXXX  ). Please provide written confirmation once this has been completed. 


If this matter is not corrected within the legally required time frame, I will pursue further action through appropriate regulatory channels, including escalation with the CFPB and potential legal remedies. 

Thank you for your attention to this urgent matter. I expect a response within 30 days, as stipulated under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXXXXXX XXXX  Date of XXXX XX/XX/year>

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 2025-08-03 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: LA

Complaint narrative:
TRANSUNION AND CONSUMER FINANCE PROTECTION BUREAU BOTH HAVE BEEN VOILATING THE CONSTITUTIONAL RIGHTS OF CONSUMERS FOR YEARS. WE ALL KNOW THAT TRANSUNION AND EXPERIAN, AND EQUIFAX ALL ARE FACTIOUS ENTITY 'S THAT PRACTICE UNALIGNING BEHAVIOR, AND THEY HAVE CROSSED THE LINE OF INTERNET CONSPIRACY TO COMMITTE T DETRIMENTAL HARM TO CONSUMERS ME AS A REAL PERSON, I HAVE EVIDENCE THAT TRANSUNION HAS DONE QUIT A BIT OF HARM TO ME AND THE ESTATE OF XXXX XXXX XXXX, THE EXECUTOR OF THE ESTATE OF XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. THIS IS AN INJUSTICE ON THE PUBLIC AND THE XXXX  OF THE UNITED STATES OF AMERICA. THERES NO WAY SOMEONE'S SCORE DROPS XXXX POINT, AND A XXXX XXXX  FOR USING CREDIT AS FOLLOWS : {$29.00} ON A {$1600.00} XXXX LIMIT ON XX/XX/year> TRANSUNION DROPPED MY SCORE XXXX POINTS FROM XXXX TO XXXX FACTS I HAVE PROOF. TRANSUNION DROPPED MY SCORE BY XXXX POINTS ON XXXX, XXXX BECAUSE OF MY CREDIT USAGE CHANGING FROM 52 % TO 20 %. WHERE DO WE GET TRANSPARENCY FROM THESE DAYS DEALING A XXXX FACTIOUS GOVERNMENT ENTITY THAT SHOULD BE HELPING THE PEOPLE OF THE UNITED STATES, NOT DO DETRIMENTAL HARM AND CAUSING ILLEGAL CONFUSION THAT ALLOWS THEM TO HAVE CONTROL OVER XXXX ABILITIES TO GAIN WEALTH. I DO NOT STAND UNDER YOU AND NO OTHER ENTITY PARTICIPANTING IN AN ILLEGAL RING SET UP FOR FAILURE TO DO DETRIMENTAL HARM TO MINORITIES OF ALL COLORS. YOU HAVE CAUSED ME AND MY FAMILY AND CULTURE GREAT HARM WHICH WILL BE SENT TO THE SUPREME COURT FOR IMPLIED CONSTITUTIONAL LAWS/RIGHTS!! ! XXXX THIS SHALL BE REPORTED TO ALL AVENUES OF THE LAW IMMEDIATELY!! ! XXXX XXXX XXXX XXXX XXXX CONSTITUTIONAL AMENDMENT [ WE THE PEOPLE ] XXXX XXXX XXXX XXXX Person

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 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I received an email on XX/XX/year> stating that my American Express Serve account was closed without notice. They also stated that I would no longer have access to my account or funds to remove any remaining money. 

I called on XX/XX/year> at XXXX ET on a recorded line and requested the balance be sent to me by check. They refused to do that and they also refused to provide the current balance amount in the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
This AMEX account was closed by the credit grantor and marked as a profit and loss write-off. Despite that, it continues to report an active balance ( {$2000.00} ), past due amount ( {$210.00} ), and monthly payment terms ( {$210.00} ) as of XX/XX/XXXX. The account was last delinquent on XX/XX/XXXX, with no late payments reported ( XXXX ). The account is being updated monthly as if its still open, even though it was charged off and closed. I contacted the company with no response. This violates the Fair Credit Reporting Act and XXXX XXXX guidelines. The reporting is inaccurate, incomplete, and misleading and is damaging my credit. I request the account be deleted or corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Old Republic National Title Holding Co.
State: MA

Complaint narrative:
Subject : Request for Clarification Regarding Foreclosure and Mortgage Transfer Dear Friends, I am writing to request clarification regarding the foreclosure of my home. 

According to the attached document, I had homestead protection in place as of XXXX. Despite this, my property was foreclosed on after the loan was transferred from XXXX to XXXX XXXX  transfer I was not informed of until XXXX. XXXX has indicated that this transfer took place ( see attached ), but XXXX denies that any such mortgage transfer occurred. 

Additionally, during a recorded call with XXXX, I was informed that they were paid off in XXXX as part of the AIM transactionsomething I was also unaware of until XXXX. 

Given the presence of homestead protection and my lack of notification regarding both the transfer and the payoff, I am seeking clarification on how this foreclosure was able to proceed. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, MA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: NC

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA XXXXrequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

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 2025-08-03 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: SC

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Brequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

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 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANNER CORPORATION
State: WA

Complaint narrative:
On XX/XX/year> I opened an account online with Banner Bank, after making my initial deposit I received a debit card in the mail from Banner bank a few days later. My debit card wouldnt activate so I visited a bank branch located in XXXX XXXX where I was rudely informed by the XXXX that my account was on hold because of my attitude towards her. I left there and visited a branch in XXXXXXXX XXXX after I called corporate explained the situation and they said that XXXX in XXXX would help me. The XXXX XXXX was apologetic, he assured me that as long as I had a real direct deposit going into my account then they would restore the account for my use. My XXXX old son receives XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had set up for his XXXX to be deposited into this banner bank account, on XX/XX/XXXX when I expected to receive the deposit I still was not able to access my account. After calling the branch where XXXX had assured me that he would watch for my deposit and unlock my account I was informed that my account had been closed and given no explanation. Now XXXX will attempt the deposit again in XXXX before a check will be mailed. That puts our only income at least XXXX weeks behind the expected deposit date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: NJ

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-08-03 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: GA

Complaint narrative:
I have no knowledge or consent to the following accounts or hard inquiries. XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-03 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: PA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
XX/XX/year> I get a call from a friend needing gas money so I was going to send it. I accidentally typed in the wrong phone number and it went to someone I don't know at all. 
It was late and I wasn't fully awake. I read the rules of cash app and it stated as long as the transaction was pending I could cancel the XXXX transaction. 
I clicked the cancel payment button. The app asked if I was sure I wanted to continue. I clicked yes. The the app said there was a problem and couldn't cancel it. 
I contacted support at cash app on the message board and the representative said Cash App won't cancel the transaction. Not honoring what is clearly written in there cancel process. The transaction is still in a pending status. I tried for another XXXX hours on my own in the app to cancel the transaction but the app continued consistently to state there was a problem. 
I am very irritated. I then called support at Cash app to be lied too. This representative told me the transaction is completed and I needed to file a dispute. I then told her that she was lying and that I had the app open and was looking at the pending transaction while speaking to her. She, then, stated that cash app won't cancel the mistaken transaction. I told her there's absolutely no reason why they could cancel it. So I then told her I was filing a complaint for lack of service. I've had my account hacked by websites and false transaction going through Cash app on too many occasions. The scanners get in to Cash apps database and take whatever they want. I've filed disputes every time it's happened over the years. CSh App has NEVER refunded my money. 
Is tells me the company is ok with allowing fraudulent activities to be done to there clients. 
This was the last straw. I want my XXXX back in my account. They have no reason to decline the request. 
The money was accidentally sent to a XXXX XXXX XXXX XXXX XXXX today. Transaction number : XXXX It's the principle of business practices that needs to be addressed, corrected, and resolved immediately. They have the ability to correct this. And chose to not dobthe right thing. 
Please put my money back in my account XXXX XXXX. 
It's not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: NY

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 Account # : XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX XXXX XXXXXXXX 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. 

XXXX. 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. 

XXXX. 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 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