vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account Number : XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, MO, 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 2025-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App and XXXX due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( cfpa ). Cash App and XXXX failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. As their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic Fund transfer act and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate readdress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: GA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX ( XXXX ) as reported on my TransUnion credit file ( File Number : XXXX ). The account was charged off in XX/XX/XXXX following a total loss insurance settlement and is listed as closed by the credit grantor. However, TransUnion continues to report an unpaid balance and derogatory remarks, including consumer disagreed, as of the latest update on XX/XX/XXXX, despite no new consumer activity or validation. This post-charge-off reporting is misleading and violates the Fair Credit Reporting Act ( FCRA ), including 1681e ( b ) for materially inaccurate or deceptive reporting, and 1681i ( a ) ( 5 ) ( B ) for failure to provide proper validation or certification for continued updates after dispute. Additionally, XXXX XXXX XXXX confirmed in writing ( XX/XX/XXXX ) that no IRS Form 1099-C was issued for the charged-off debt, despite labeling the loss as a Profit and Loss Write-Off. This violates IRS Code 6050P and suggests possible tax evasion. Reporting a charged-off balance while avoiding IRS disclosure and continuing to update the tradeline misleads lenders and suppresses consumer creditworthiness. Equifax ( Report Confirmation XXXX ) continues to allow even more aggressive post-charge-off updates, including re-aging and derogatory reactivation of the account, while TransUnion reflects it as closed. This inconsistency highlights a broader pattern of abusive reporting and lack of regulatory compliance across bureaus. I request that the CFPB require TransUnion to fully delete the XXXX XXXX XXXX tradeline from my credit report due to failure to validate, improper post-charge-off updates, and lack of consistency with federal 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 2025-05-01 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-01 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-01 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: MS

Complaint narrative:
In XX/XX/year>, I submitted a full identity theft report to TransUnion under FCRA 605B, including all required documents to block a fraudulent XXXX XXXX XXXX XXXX. Instead of blocking the account within 4 business days, they placed it in a regular dispute and refused to remove it. On a follow-up call, the agent stated she had never heard of the FCRA, refused to escalate the issue, and claimed TransUnion only follows the creditors decision. This is a direct violation of 605B and 611. Im requesting CFPB enforcement and removal of the fraudulent account immediately.

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 2025-05-01 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: TX

Complaint narrative:
I discovered XXXX individual collection accounts on my credit report for less than {$200.00}. This has impacted my credit extremely negatively. The company Jefferson Capital Systems LLC has not verified the date with me. They have not provided any documentation with my signature proving this debt. I called them and they could not confirm this debt or account with the information I provided to them which is the information they submitted on my credit report. It appears they report inaccurate information if they can not verify anything with the information they reported to the credit bureau. Providing inaccurate information is a violation of the Federal Credit Reporting Act. I will attach the transcript of the call I had with them proving they can not find an account with the information they submitted to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: VA

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
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 non-monetary relief
Consumer complaint received 2025-05-01 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with TransUnion, Experian and Equifax regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I have been a Citi credit card member since XXXX have always paid my card monthly in full and on time with the rare occasion of a late payment. 

In late XXXX of XXXX I was a victim of identity theft which caused closing accounts. In that process for apparently a misunderstanding of my citicard still getting charges made to it. When contacting them multiple times over the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I was always told to rest assure I wouldn't have interest and late charges they were looking into the charges no need to make a payment. Well the interest and late fees continued to accrue. In XXXX I was sick and tired of having anything to do with Citi so I went ahead and paid what I was told was the full amount which included fees and interest because they said they couldn't remove them so just went ahead and paid it. I paid {$700.00} then come to find out I have a balance of XXXX on my account. When calling multiple times several agents could only tell me the charges were for interest and late fees which I was told my account was paid in full. So today got ahold of a different agent that said my balance was XXXX so I hadnt paid it in full and I have been charged monthly interest and late fees which are not able to be reimbursed. Well today XX/XX/XXXX I went ahead and paid XXXX $ because XXXX cant deal with the interest and late fees any more and no one at Citi seems to be able to help. Also everyone talk to has very thich accents and it is very difficult to understand what they are saying. The agent told me there was no address, email or phone number that I can contact to file a complaint so I am writing here and hopefully you can assist me. I am requesting to be reimbursed for all of the late fee charges and interest that has been accrued on my account form XX/XX/XXXX - XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-01 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint, aint against cash app ( Block , Inc . ) due to unfair practices due to inadequate customer service and unfair practices, which violate the consumer financial protection act CFPA Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act EFTA and regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Dear CFPB and COMENITY BANK/XXXX, Upon reviewing my credit report, I was alarmed to discover several late payment entries associated with my XXXX credit card account ( Acct # : XXXX ) reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and most recently, XX/XX/XXXX. 

To the best of my knowledge, I submitted timely payments upon receiving each monthly billing statement. However, it is possible that a combination of circumstances, including medical emergencies and a temporary block placed on my checking account due to suspected fraudulent activity, interfered with payment processing during that period. I was not made aware of any missed payments at the time and did not receive sufficient notice to correct any issues. 

Given my longstanding positive history with this creditor and the unusual circumstances surrounding these reported delinquencies, I respectfully request the removal of the late payments from my credit file and a refund of any late fees that may have been assessed. I do not believe these entries accurately reflect my intent or payment behavior, and I would appreciate your assistance in correcting the record.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-01 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:
Subject : Urgent Demand for Rectification of Credit Data- Violation of 15 U.S. Code 1666b and Various FCRA Statutes I am writing to follow up on my previous letter dated XX/XX/XXXX, in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on XXXX XXXX  - XXXX - I do not recognize this at all - please remove this inaccuracy as I do not believe it even belongs to me. To date, I have not received confirmation of the correction nor observed any changes in my credit report. 



I am utterly dismayed by your repeated disregard for the regulations outlined in 15 U.S. Code 1666b. It is imperative that creditors adhere to the law by sending periodic statements, inclusive of all details mandated by section 1637 ( b ), a minimum of 21 days before the payment due date. This obligation is in place to guarantee that consumers are afforded ample time to receive, assess, and fulfill payment obligations without facing unwarranted penalties for tardiness.

Furthermore, the Fair Credit Reporting Act ( FCRA ), particularly sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, dictates that credit reporting agencies and information furnishers promptly rectify any erroneous or incomplete details in credit reports and ensure the utmost accuracy of information contained in consumer files.

Furthermore, I am compelled to bring up the Protection Against Non-Payment of Obligations Act ( PAANL ), which mandates that creditors must guarantee prompt delivery of statements to prevent unjust penalties to consumers.

Moreover, in accordance with the FCRA, clauses 616 and 617 ( 15 U.S.C. 1681n and 1681o ) delineate the civil liabilities for intentional and careless nonadherence, respectively. These stipulations encompass compensatory damages, legal fees, and potentially exemplary damages, for neglecting to adhere to the mandates of the Act.

The blatant disregard for these regulations has led to the emergence of tardy payments on my credit report, causing a detrimental impact on my credit score. This egregious oversight is a clear infringement upon my rights as guaranteed by the FCRA. 



I demand an immediate reexamination of my dispute and rectification of any erroneous information linked to these belated payments on my credit report. Here are the specifics of the impacted payments : Date of reported late payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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:
Subject : Urgent Demand for Rectification of Credit Data- Violation of 15 U.S. Code 1666b and Various FCRA Statutes I am writing to follow up on my previous letter dated XX/XX/XXXX, in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on XXXX XXXX  - XXXX - I do not recognize this at all - please remove this inaccuracy as I do not believe it even belongs to me. To date, I have not received confirmation of the correction nor observed any changes in my credit report. 



I am utterly dismayed by your repeated disregard for the regulations outlined in 15 U.S. Code 1666b. It is imperative that creditors adhere to the law by sending periodic statements, inclusive of all details mandated by section 1637 ( b ), a minimum of 21 days before the payment due date. This obligation is in place to guarantee that consumers are afforded ample time to receive, assess, and fulfill payment obligations without facing unwarranted penalties for tardiness.

Furthermore, the Fair Credit Reporting Act ( FCRA ), particularly sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, dictates that credit reporting agencies and information furnishers promptly rectify any erroneous or incomplete details in credit reports and ensure the utmost accuracy of information contained in consumer files.

Furthermore, I am compelled to bring up the Protection Against Non-Payment of Obligations Act ( PAANL ), which mandates that creditors must guarantee prompt delivery of statements to prevent unjust penalties to consumers.

Moreover, in accordance with the FCRA, clauses 616 and 617 ( 15 U.S.C. 1681n and 1681o ) delineate the civil liabilities for intentional and careless nonadherence, respectively. These stipulations encompass compensatory damages, legal fees, and potentially exemplary damages, for neglecting to adhere to the mandates of the Act.

The blatant disregard for these regulations has led to the emergence of tardy payments on my credit report, causing a detrimental impact on my credit score. This egregious oversight is a clear infringement upon my rights as guaranteed by the FCRA. 



I demand an immediate reexamination of my dispute and rectification of any erroneous information linked to these belated payments on my credit report. Here are the specifics of the impacted payments : Date of reported late payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: IL

Complaint narrative:
I previously disputed a derogatory account with XXXX XXXX XXXXXXXX ( Account ending in XXXX ) on my Experian credit report. The account remains on my file, and Experian claims the item was verified, but no documentation was provided under FCRA 609 ( a ) ( 1 ) or 611.

I am requesting removal or proper validation of this tradeline. No signed contract, full account history, or legal authority to report this derogatory status has been shown. The continued reporting without substantiation violates my rights under both FCRA and FDCPA.

Additionally, Experian failed to provide me with the method of verification, which is required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

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