vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: WI

Complaint narrative:
Experian Credit Services XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) 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 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 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 2025-06-18 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-06-18 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:
Violations by Experian and TransUnion - 15 U.S.C. 1681i - Failure to reinvestigate disputed information - 15 U.S.C. 1681e ( b ) - Failure to ensure maximum possible accuracy - 15 U.S.C. 1681s-2 ( b ) - Failure of furnishers to delete erroneous or unverified da Further, under 15 U.S.C. 1692k, I reserve the right to pursue damages against an inaccurate, or fraudulent accounts. This also opens liability under 15 U.s noncompliance ).

Requested Relief I respectfully request the CFPB initiate enforcement action to ensure : XXXX. Permanent removal of the duplicate auto loan accounts on both reports XXXX. Deletion of the fraudulent XXXX address XXXX. Removal of all unauthorized inquiries listed above XXXX. Prevention of any future reappearance of these items under altered names XXXX. Immediate compliance with FCRAs reinvestigation and deletion standards Supporting Documents Provided : TransUnion and Experian credit report errors showing the exact account number, Copy of FTC Identity Theft Report Government-issued ID Address verification Sincerely, 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 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XX/XX/XXXX SSN : XXXX Email : XXXX Date : XX/XX/XXXX To : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : FORMAL DISPUTE & DEBT VALIDATION DEMAND Acct # XXXX / # XXXX To Whom It May Concern, This letter serves as a formal dispute and demand for full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. 

The following collection accounts are being reported on my credit profile : JEFFCAPSYS Account # : XXXX Amount : {$600.00} JEFFERSNCP Account # : XXXX Amount : {$600.00} JEFFERSON CAPITAL SYST Account # : XXXX Amount : {$600.00} These accounts appear duplicated and inaccurate and must be fully validated before any further reporting or collection activity occurs. 

In accordance with federal law, I am requesting the following within XXXX  days of receipt of this notice : A full itemized breakdown of the alleged debt including original creditor, account history, and dates of default. 
A copy of the original contract or agreement, bearing my signature, establishing legal responsibility for the debt. 
Proof that Jefferson Capital Systems has the legal right to collect this debt, including assignment documentation and your Illinois collection license number. 
Documentation of any communications, billing notices, or payment activity relating to this alleged account. 
Failure to validate this debt will require immediate deletion of the account ( XXXX ) from all credit bureaus and a full cessation of all collection activity. Continued reporting of unverified or inaccurate information is a direct violation of federal law, and I will not hesitate to escalate this matter by : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois Attorney Generals Office, Seeking civil damages under 15 U.S.C. 1681n and 1692k for violations of my consumer rights. 
This is not a refusal to pay, but a demand for lawful validation and correction. You are hereby notified to cease and desist all further collection attempts until validation is provided. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: AZ

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

1681c-2 ) 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 : 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 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 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 2025-06-18 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XX/XX/year> To : TransUnion Subject : Complaint and Request for Removal of Outdated Repossession FCRA Compliance Dear TransUnion I am writing to formally file a complaint and request the immediate removal of a repossession account that has been listed on my credit report for over XXXX years. The account in question is reported under : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), negative items such as repossessions are legally required to be removed from credit reports XXXX years from the date of the first delinquency that led to the repossession. Based on my records and the information in your report, this account has surpassed the legal reporting limit and should no longer be listed. 

Please treat this letter as a formal dispute of the accuracy and validity of the reporting of this account, and as a request to delete the outdated repossession entry immediately. 

I have enclosed a copy of my credit report with the outdated account highlighted for your reference. If you are unable to verify that the account is within the allowable reporting period, it must be deleted. 

Please provide a written confirmation once the item is removed, or a full explanation if you believe the item is still eligible to be reported. 

Thank you for your prompt attention to this matter. I look forward to your response within the XXXX time frame required by law. 

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 non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP
State: MO

Complaint narrative:
XXXX I contacted this U.S Bank in an attempt to pay down my old debt in small amounts from one of my other banks to mitigate the debt I owed. I ask to reduce the debt work out a plan to pay this old debt. The bank assistant said the bank could not lump sum the {$640.00} but had to work out a payment plan that would work out a plan that one deliquent accoont one at time..

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 2025-06-18 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a business account in XX/XX/XXXXXXXX  with Capital One, and they blocked my account n XX/XX/XXXXXXXX  and wont let me close or access the money in the account. It is currently XX/XX/XXXXXXXX  and the money in the account has been charged fees. Capital One business wont allow me to get my money, close or give me any information besides that the fraud department and review department is looking at the account and there is no timeline when they will be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: MI

Complaint narrative:
I have disputed the XXXX XXXX XXXX  account with TransUnion multiple times, yet the account remains with no supporting documentation. I specifically requested the method of verification and original contract per FCRA 611 and 609.

No documents have been provided. This account is unverifiable and must be deleted. A formal dispute was mailed XX/XX/year>, demanding immediate deletion. 

I am now asking the CFPB to assist in having this inaccurate account remove

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 2025-06-18 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: MI

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 : 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/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: NE

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: CA

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

1681c-2 ) 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 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 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

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 2025-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
On XX/XX/year> I woke up to multiple notifications alerting me, that my cash app personal info was being removed. Not knowing what was happening I called cash app at which point they locked my account. After accessing my account XXXX  days later, XXXX transactions {$770.00} & {$1500.00} were made on my account. I immediately sent in a dispute and have the response emails cash app sent me YET THEY claim I never responded!!! I have XXXX. Please help, Ill attach the screen shot of the transactions and screenshot of notifications I received. If you need more personal info I can do that too

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
Subject : Urgent Complaint Against Experian Fraudulent Items, Inquiries & Personal Information FTC Identity Theft Report # : XXXX Consumer : XXXX XXXX XXXX XXXX : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Complaint Statement : I am submitting this formal complaint against Experian for failure to promptly and appropriately address a dispute concerning fraudulent information on my credit report. 

I have already submitted an official FTC Identity Theft Report ( Report # XXXX ), along with government-issued identification, Social Security verification , and proof of address. Despite this, Experian has continued to report inaccurate and unauthorized data, which is causing serious harm to my financial reputation and access to opportunity. 

The following must be removed immediately : Fraudulent Accounts : 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 Legal Grounds : Under the FCRA 604, a consumers credit report may only be accessed or modified with proper authorization. Additionally, per FCRA 1681i, Experian is required to conduct a reasonable reinvestigation when a consumer provides notice of a dispute supported by documentation. Experian has failed to do so.

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 2025-06-18 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: SC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Strategic Alliances, Inc.
State: WI

Complaint narrative:
In XX/XX/XXXX, I rented a vehicle from XXXX XXXX XXXX XXXXXXXX following a hit-and-run accident. During the rental period, I received a parking citation from the XXXX of XXXX, Wisconsin. I paid this citation directly to the XXXX on XX/XX/XXXX, prior to receiving any notice from XXXX. 

Despite my payment, XXXX later issued a charge of {$60.00}, claiming it was for the ticket and their processing fee. I contacted XXXX multiple times via phone and email and provided proof of payment on XXXX separate occasions ( XXXX, XXXX, and XX/XX/XXXX ). I even uploaded the receipt to their online portal and emailed it again on XX/XX/XXXX. 

Rather than resolving the matter, Enterprise forwarded the account to collections with First Financial Asset Management on or around XX/XX/XXXX, which I believe is unlawful, as the debt was not valid and had already been satisfied with the original creditor ( the City of XXXX ). 

This has caused undue stress, reputational harm, and the risk of damage to my credit report over a debt that was already paid. Their failure to acknowledge valid documentation and continued pursuit of a resolved charge violates fair collection and reporting standards.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief